Long Beach, CA · Charter 86063
NCUA · 3 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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
44
Asset Quality
74
Profitability
34
Liquidity
40
Efficiency
30
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.
Long Beach, CA · Charter 86063
NCUA · 3 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 | 0.00% | 0.00% | 0.05% | 0.21% | 0.31% | 0.19% | 0.22% | 0.47% | +26 bps | |
| Return on Equity | -0.01% | 0.03% | 0.42% | 1.71% | 2.46% | 1.52% | 1.81% | 3.80% | +209 bps | |
| Net Interest Margin | 2.79% | 2.79% | 3.29% | 3.40% | 3.54% | 3.52% | 3.57% | 3.60% | +20 bps | |
| Efficiency Ratio | 93.28% | 93.84% | 88.68% | 86.70% | 86.63% | 90.17% | 89.61% | 84.99% | -171 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.87% | 1.81% | -0.13% | 3.63% | 0.11% | -1.81% | 1.03% | 0.68% | -295 bps | |
| Loan Growth (YoY) | 19.96% | 19.50% | 9.72% | 14.04% | 12.43% | 9.69% | 13.06% | 7.91% | -613 bps | |
| Share Growth (YoY) | -1.18% | 2.27% | 0.06% | 4.13% | -0.21% | -2.69% | 1.15% | 0.63% | -350 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.05% | 0.80% | 0.94% | 0.79% | 0.94% | 0.18% | 0.18% | 0.27% | -52 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 | 12.19% | 12.04% | 12.23% | 12.17% | 12.39% | 12.44% | 12.32% | 12.39% | +22 bps | |
| Net Worth / Assets | 12.19% | 12.04% | 12.23% | 12.17% | 12.39% | 12.44% | 12.32% | 12.39% | +22 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 43.85% | 46.01% | 45.23% | 47.42% | 49.41% | 51.87% | 50.55% | 50.85% | +343 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Long Beach, CA · Charter 86063 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
0.47%
Rank 1,168 of 1,683
Net Interest Margin
3.60%
Rank 1,041 of 1,683
Efficiency Ratio
84.96%
Rank 1,181 of 1,682
Equity / Assets
12.39%
Rank 940 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.47% | 0.35% | 0.74% | 1.18% | Beats 31% | 1,168 / 1,683 | ||
| Return on Equity | 3.79% | 2.67% | 5.89% | 8.74% | Beats 33% | 1,118 / 1,681 | ||
| Net Interest Margin | 3.60% | 3.31% | 3.82% | 4.32% | Beats 38% | 1,041 / 1,683 | ||
| Efficiency Ratio | 84.96% | 68.91% | 78.20% | 86.93% | Beats 30% | 1,181 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.27% | 0.26% | 0.65% | 1.29% | Beats 74% | 432 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.39% | 10.44% | 12.89% | 16.53% | Beats 44% | 940 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.39% | 10.44% | 12.89% | 16.53% | Beats 44% | 940 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 50.85% | 52.61% | 69.38% | 83.50% | 23rd pctl | 1,303 / 1,683 | ||
| Loans / Assets | 44.66% | 44.71% | 59.18% | 70.72% | 25th pctl | 1,264 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||