El Monte, CA · Charter 7835
NCUA · 8 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 $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=19). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
53
Asset Quality
21
Profitability
28
Liquidity
2
Efficiency
21
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.
El Monte, CA · Charter 7835
NCUA · 8 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.35% | 0.22% | 0.22% | -0.33% | -0.28% | -63 bps | |
| Return on Equity | 3.45% | 2.16% | 2.13% | -3.21% | -2.70% | -615 bps | |
| Net Interest Margin | 3.33% | 3.44% | 3.44% | 3.49% | 3.60% | +28 bps | |
| Efficiency Ratio | 78.35% | 78.90% | 79.43% | 87.28% | 85.64% | +729 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.69% | 7.78% | 5.48% | 5.62% | 3.89% | -580 bps | |
| Loan Growth (YoY) | 12.56% | 11.70% | 11.99% | 9.02% | 10.15% | -241 bps | |
| Share Growth (YoY) | 7.05% | 4.89% | 3.14% | 2.86% | 3.32% | -373 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.55% | 0.64% | 0.91% | 0.94% | 0.89% | +34 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.23% | 10.21% | 10.10% | 10.32% | 10.39% | +16 bps | |
| Net Worth / Assets | 10.23% | 10.21% | 10.10% | 10.32% | 10.39% | +16 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 91.19% | 93.91% | 97.51% | 93.58% | 97.22% | +603 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
El Monte, CA · Charter 7835 · Peer group: credit unions $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=19)
NCUA · 8 branches
Q2 2026
Return on Assets
-0.28%
Rank 19 of 19
Net Interest Margin
3.60%
Rank 3 of 19
Efficiency Ratio
85.64%
Rank 16 of 19
Equity / Assets
10.39%
Rank 9 of 19
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.28% | 0.27% | 0.60% | 1.02% | Beats 0% | 19 / 19 | |
| Return on Equity | -2.70% | 2.40% | 5.67% | 8.40% | Beats 0% | 19 / 19 | |
| Net Interest Margin | 3.60% | 2.65% | 2.97% | 3.42% | Beats 84% | 3 / 19 | |
| Efficiency Ratio | 85.64% | 64.19% | 77.39% | 85.63% | Beats 21% | 16 / 19 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.89% | 0.44% | 0.61% | 0.87% | Beats 21% | 16 / 19 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.39% | 9.41% | 10.19% | 11.40% | Beats 53% | 9 / 19 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.39% | 9.41% | 10.19% | 11.40% | Beats 53% | 9 / 19 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 97.22% | 69.76% | 83.28% | 94.64% | 84th pctl | 3 / 19 | |
| Loans / Assets | 79.29% | 53.33% | 68.68% | 78.95% | 79th pctl | 4 / 19 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||