El Monte, CA · Charter 9230
NCUA · 10 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 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
84
Asset Quality
61
Profitability
78
Liquidity
33
Efficiency
84
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 9230
NCUA · 10 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 | 1.30% | 1.33% | 1.27% | 1.25% | 1.24% | -6 bps | |
| Return on Equity | 6.43% | 6.47% | 6.19% | 6.10% | 6.00% | -43 bps | |
| Net Interest Margin | 3.77% | 3.81% | 3.84% | 3.89% | 3.93% | +16 bps | |
| Efficiency Ratio | 65.74% | 65.65% | 66.35% | 64.91% | 65.63% | -12 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 13.71% | 14.85% | 3.60% | 2.83% | 3.28% | -1,043 bps | |
| Loan Growth (YoY) | 9.69% | 11.44% | 0.11% | 1.55% | 3.31% | -638 bps | |
| Share Growth (YoY) | 14.21% | 15.89% | 2.86% | 1.82% | 2.72% | -1,149 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.41% | 0.51% | 0.57% | 0.42% | 0.37% | -4 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 | 20.22% | 20.51% | 20.58% | 20.52% | 20.71% | +49 bps | |
| Net Worth / Assets | 20.22% | 20.51% | 20.58% | 20.52% | 20.71% | +49 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 80.40% | 80.73% | 80.54% | 79.20% | 80.86% | +46 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
El Monte, CA · Charter 9230 · Peer group: credit unions under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=62)
NCUA · 10 branches
Q2 2026
Return on Assets
1.24%
Rank 9 of 62
Net Interest Margin
3.93%
Rank 16 of 62
Efficiency Ratio
65.63%
Rank 11 of 62
Equity / Assets
20.71%
Rank 10 of 62
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.24% | 0.01% | 0.47% | 0.92% | Beats 85% | 9 / 62 | |
| Return on Equity | 6.00% | 0.18% | 3.35% | 5.66% | Beats 76% | 15 / 62 | |
| Net Interest Margin | 3.93% | 2.88% | 3.31% | 3.93% | Beats 74% | 16 / 62 | |
| Efficiency Ratio | 65.63% | 71.17% | 84.14% | 92.47% | Beats 84% | 11 / 62 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.37% | 0.22% | 0.52% | 0.99% | Beats 61% | 25 / 62 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 20.71% | 9.30% | 12.20% | 16.33% | Beats 84% | 10 / 62 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 20.71% | 9.30% | 12.20% | 16.33% | Beats 84% | 10 / 62 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 80.86% | 48.69% | 57.00% | 84.55% | 71st pctl | 18 / 62 | |
| Loans / Assets | 63.26% | 42.93% | 53.05% | 69.62% | 68th pctl | 20 / 62 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||