San Fernando, CA · Charter 9044
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
95
Asset Quality
100
Profitability
8
Liquidity
0
Efficiency
2
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.
San Fernando, CA · Charter 9044
NCUA · 1 branch
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 | -1.57% | -1.25% | -1.04% | -1.18% | -1.32% | +25 bps | |
| Return on Equity | -5.86% | -4.62% | -3.85% | -4.37% | -4.99% | +87 bps | |
| Net Interest Margin | 2.55% | 2.73% | 2.66% | 2.52% | 2.47% | -8 bps | |
| Efficiency Ratio | 161.46% | 145.56% | 138.91% | 146.87% | 153.60% | -786 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.29% | -4.75% | -4.28% | -4.49% | -2.27% | +403 bps | |
| Loan Growth (YoY) | -24.73% | -33.78% | -35.96% | -30.23% | -30.17% | -543 bps | |
| Share Growth (YoY) | -6.91% | -4.93% | -4.66% | -5.15% | -1.96% | +495 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.68% | 0.78% | 0.88% | 0.88% | 0.98% | +29 bps | |
| Capital | |||||||
| Risk-Based Capital | 26.84% | 27.03% | 27.07% | 27.05% | 26.56% | -28 bps | |
| Net Worth / Assets | 26.84% | 27.03% | 27.07% | 27.05% | 26.56% | -28 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 8.54% | 7.56% | 6.78% | 6.83% | 6.08% | -246 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
San Fernando, CA · Charter 9044 · 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
-1.31%
Rank 61 of 62
Net Interest Margin
2.49%
Rank 53 of 62
Efficiency Ratio
152.63%
Rank 62 of 62
Equity / Assets
26.55%
Rank 3 of 62
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.31% | 0.01% | 0.47% | 0.92% | Beats 2% | 61 / 62 | |
| Return on Equity | -4.93% | 0.18% | 3.35% | 5.66% | Beats 8% | 57 / 62 | |
| Net Interest Margin | 2.49% | 2.88% | 3.31% | 3.93% | Beats 15% | 53 / 62 | |
| Efficiency Ratio | 152.63% | 71.17% | 84.14% | 92.47% | Beats 2% | 62 / 62 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.22% | 0.52% | 0.99% | Beats 100% | 6 / 62 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 26.55% | 9.30% | 12.20% | 16.33% | Beats 95% | 3 / 62 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 26.55% | 9.30% | 12.20% | 16.33% | Beats 95% | 3 / 62 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 6.07% | 48.69% | 57.00% | 84.55% | 0th pctl | 62 / 62 | |
| Loans / Assets | 4.29% | 42.93% | 53.05% | 69.62% | 0th pctl | 62 / 62 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||