Aliso Viejo, CA · Charter 8611
NCUA · 1 branch
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 the Los Angeles-Long Beach-Anaheim, CA area (n=62). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
56
Asset Quality
13
Profitability
23
Liquidity
43
Efficiency
19
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.
Aliso Viejo, CA · Charter 8611
NCUA · 1 branch
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 | 0.16% | 0.10% | -0.09% | 0.01% | 0.02% | 0.05% | -0.23% | -0.03% | -3 bps | |
| Return on Equity | 1.33% | 0.81% | -0.79% | 0.05% | 0.15% | 0.43% | -1.98% | -0.21% | -25 bps | |
| Net Interest Margin | 2.36% | 2.37% | 2.09% | 2.21% | 2.27% | 2.35% | 2.46% | 2.87% | +66 bps | |
| Efficiency Ratio | 94.32% | 95.49% | 103.63% | 99.78% | 99.26% | 98.07% | 99.66% | 94.60% | -518 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.25% | -4.05% | 1.11% | -2.58% | -0.60% | 0.06% | -1.31% | -5.61% | -303 bps | |
| Loan Growth (YoY) | -3.31% | -2.00% | -3.48% | -5.43% | 10.20% | 12.76% | 9.34% | 6.63% | +1,205 bps | |
| Share Growth (YoY) | -4.11% | -5.39% | 0.15% | -5.92% | -2.02% | -1.25% | -1.28% | -4.30% | +163 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.06% | 0.08% | 0.05% | 0.00% | 0.06% | 0.07% | 0.17% | 1.69% | +169 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 | 11.93% | 12.11% | 11.61% | 12.02% | 11.96% | 12.13% | 11.72% | 12.75% | +72 bps | |
| Net Worth / Assets | 11.93% | 12.11% | 11.61% | 12.02% | 11.96% | 12.13% | 11.72% | 12.75% | +72 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 38.84% | 40.11% | 38.17% | 40.27% | 43.68% | 45.80% | 42.28% | 44.86% | +459 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Aliso Viejo, CA · Charter 8611 · Peer group: credit unions under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=62)
NCUA · 1 branch
Q2 2026
Return on Assets
-0.03%
Rank 48 of 62
Net Interest Margin
2.88%
Rank 47 of 62
Efficiency Ratio
94.55%
Rank 51 of 62
Equity / Assets
12.75%
Rank 27 of 62
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.03% | 0.01% | 0.47% | 0.92% | Beats 23% | 48 / 62 | ||
| Return on Equity | -0.20% | 0.18% | 3.35% | 5.66% | Beats 23% | 48 / 62 | ||
| Net Interest Margin | 2.88% | 2.88% | 3.31% | 3.93% | Beats 24% | 47 / 62 | ||
| Efficiency Ratio | 94.55% | 71.17% | 84.14% | 92.47% | Beats 19% | 51 / 62 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.69% | 0.22% | 0.52% | 0.99% | Beats 13% | 55 / 62 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.75% | 9.30% | 12.20% | 16.33% | Beats 56% | 27 / 62 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.75% | 9.30% | 12.20% | 16.33% | Beats 56% | 27 / 62 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 44.86% | 48.69% | 57.00% | 84.55% | 19th pctl | 50 / 62 | ||
| Loans / Assets | 39.18% | 42.93% | 53.05% | 69.62% | 23rd pctl | 48 / 62 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||