Oxnard, CA · Charter 7608
NCUA · 5 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets in CA (n=62 to 63). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
5
Asset Quality
45
Profitability
16
Liquidity
0
Efficiency
13
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Oxnard, CA · Charter 7608
NCUA · 5 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.02% | 0.12% | -0.76% | -0.40% | -0.34% | -0.24% | 0.16% | 0.12% | +52 bps | |
| Return on Equity | 0.29% | 1.52% | -10.25% | -5.29% | -4.49% | -3.21% | 2.10% | 1.62% | +692 bps | |
| Net Interest Margin | 2.30% | 2.25% | 1.90% | 2.04% | 2.12% | 2.15% | 2.42% | 2.38% | +34 bps | |
| Efficiency Ratio | 93.63% | 90.63% | 119.21% | 106.40% | 104.26% | 100.66% | 89.82% | 92.34% | -1,406 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.83% | 3.15% | 2.84% | 0.33% | -0.39% | 0.19% | -1.67% | 1.44% | +111 bps | |
| Loan Growth (YoY) | -2.32% | 0.21% | 2.28% | 3.71% | 7.67% | 7.86% | 6.89% | 7.89% | +417 bps | |
| Share Growth (YoY) | 1.14% | 3.88% | 4.36% | 1.76% | 1.14% | 0.46% | -1.99% | 0.73% | -103 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.41% | 1.06% | 0.45% | 0.72% | 0.37% | 0.35% | 0.29% | 0.48% | -24 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.79% | 7.83% | 7.46% | 7.59% | 7.60% | 7.50% | 7.51% | 7.44% | -15 bps | |
| Net Worth / Assets | 7.79% | 7.83% | 7.46% | 7.59% | 7.60% | 7.50% | 7.51% | 7.44% | -15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 100.51% | 100.52% | 99.87% | 101.96% | 107.00% | 107.91% | 108.92% | 109.20% | +724 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Oxnard, CA · Charter 7608 · Peer group: credit unions under $1B in assets in CA (n=62-63)
NCUA · 5 branches
Q2 2026
Return on Assets
0.12%
Rank 50 of 63
Net Interest Margin
2.38%
Rank 60 of 63
Efficiency Ratio
92.34%
Rank 56 of 63
Equity / Assets
7.44%
Rank 60 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.12% | 0.17% | 0.56% | 1.17% | Beats 21% | 50 / 63 | ||
| Return on Equity | 1.62% | 1.81% | 4.79% | 8.64% | Beats 21% | 50 / 63 | ||
| Net Interest Margin | 2.38% | 3.18% | 3.49% | 3.98% | Beats 5% | 60 / 63 | ||
| Efficiency Ratio | 92.34% | 70.58% | 81.25% | 89.21% | Beats 13% | 56 / 63 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.48% | 0.17% | 0.42% | 0.85% | Beats 45% | 35 / 62 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 7.44% | 8.61% | 10.56% | 14.01% | Beats 5% | 60 / 63 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 7.44% | 8.61% | 10.56% | 14.01% | Beats 5% | 60 / 63 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 109.20% | 53.46% | 72.75% | 85.33% | 98th pctl | 1 / 62 | ||
| Loans / Assets | 85.71% | 46.35% | 58.08% | 72.17% | 95th pctl | 3 / 63 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||