Redondo Beach, CA · Charter 95052
NCUA · 4 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
24
Asset Quality
55
Profitability
42
Liquidity
20
Efficiency
37
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.
Redondo Beach, CA · Charter 95052
NCUA · 4 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 | -0.31% | -0.56% | 0.33% | 0.28% | 0.32% | 0.45% | 0.13% | 0.10% | -17 bps | |
| Return on Equity | -3.32% | -6.21% | 3.59% | 2.93% | 3.35% | 4.77% | 1.42% | 1.13% | -180 bps | |
| Net Interest Margin | 3.25% | 3.29% | 3.50% | 3.69% | 3.70% | 3.63% | 3.58% | 3.66% | -4 bps | |
| Efficiency Ratio | 92.37% | 98.42% | 88.25% | 89.60% | 89.68% | 87.82% | 85.66% | 87.51% | -209 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.82% | 0.85% | -3.69% | -6.21% | -2.95% | -0.76% | 5.25% | 6.66% | +1,286 bps | |
| Loan Growth (YoY) | 5.97% | 2.17% | -0.65% | -2.10% | -0.59% | 0.56% | 0.03% | 3.36% | +547 bps | |
| Share Growth (YoY) | -4.63% | -2.61% | 0.14% | -1.46% | 4.38% | 7.00% | 8.97% | 7.60% | +905 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.65% | 0.71% | 0.47% | 0.45% | 0.49% | 0.56% | 0.60% | 0.48% | +3 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 | 9.29% | 8.95% | 9.14% | 9.54% | 9.48% | 9.47% | 9.07% | 9.30% | -23 bps | |
| Net Worth / Assets | 9.29% | 8.95% | 9.14% | 9.54% | 9.48% | 9.47% | 9.07% | 9.30% | -23 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 93.29% | 92.91% | 89.94% | 89.16% | 88.85% | 87.32% | 82.57% | 85.65% | -351 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 99.62% | 0.00% | 99.25% | 0.00% | 0.00% | 0.00% | 0 bps | |
Redondo Beach, CA · Charter 95052 · Peer group: credit unions under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=62)
NCUA · 4 branches
Q2 2026
Return on Assets
0.10%
Rank 44 of 62
Net Interest Margin
3.66%
Rank 22 of 62
Efficiency Ratio
87.53%
Rank 40 of 62
Equity / Assets
9.30%
Rank 47 of 62
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.10% | 0.01% | 0.47% | 0.92% | Beats 29% | 44 / 62 | ||
| Return on Equity | 1.12% | 0.18% | 3.35% | 5.66% | Beats 31% | 43 / 62 | ||
| Net Interest Margin | 3.66% | 2.88% | 3.31% | 3.93% | Beats 65% | 22 / 62 | ||
| Efficiency Ratio | 87.53% | 71.17% | 84.14% | 92.47% | Beats 37% | 40 / 62 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.48% | 0.22% | 0.52% | 0.99% | Beats 55% | 29 / 62 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.30% | 9.30% | 12.20% | 16.33% | Beats 24% | 47 / 62 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.30% | 9.30% | 12.20% | 16.33% | Beats 24% | 47 / 62 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 85.65% | 48.69% | 57.00% | 84.55% | 77th pctl | 14 / 62 | ||
| Loans / Assets | 76.89% | 42.93% | 53.05% | 69.62% | 89th pctl | 7 / 62 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||