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Clearpath

Burbank, CA · Charter 9556

NCUA · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area3

Basis

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.

Peer group

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.

Peer standing

Capital

11

Q2 2024Q2 2026peer median (50)

Asset Quality

73

Q2 2024Q2 2026peer median (50)

Profitability

17

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

16

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Clearpath

Burbank, CA · Charter 9556

NCUA · 2 branches

Q2 2026

$228.6MAssets
$194.4MLoans
$204.2MShares
$19.4MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -0.19%, down 5 bps year over year; NIM at 2.68%.
  • Asset quality: problem loans at 0.28% of loans (+5 bps YoY).
  • Capital: net worth / assets of 8.46%, down 43 bps from a year ago.
  • Funding: loans stand at 95.22% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.19%-5 bps YoY

Net Interest Margin (YTD, annualized)

2.68%+19 bps YoY

Efficiency Ratio (YTD, annualized)

98.89%+439 bps YoY

Net Worth / Assets

8.46%-43 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.14%0.11%0.17%-0.63%-0.19%-5 bps
Return on Equity-1.53%1.16%1.88%-7.29%-2.25%-72 bps
Net Interest Margin2.49%2.61%2.63%2.71%2.68%+19 bps
Efficiency Ratio94.50%90.78%89.49%109.69%98.89%+439 bps
Growth
Asset Growth (YoY)43.21%27.32%18.73%3.23%5.84%-3,738 bps
Loan Growth (YoY)30.94%40.85%39.81%30.03%24.85%-610 bps
Share Growth (YoY)56.63%27.70%14.63%1.17%3.08%-5,355 bps
Asset Quality
Delinquent Loans / Loans0.23%0.35%0.32%0.35%0.28%+5 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital8.89%9.11%9.07%8.62%8.46%-43 bps
Net Worth / Assets8.89%9.11%9.07%8.62%8.46%-43 bps
Liquidity & Funding
Loans / Shares78.62%86.52%93.51%91.45%95.22%+1,660 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Clearpath

Burbank, CA · Charter 9556 · Peer group: credit unions under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=62)

NCUA · 2 branches

Q2 2026

$228.6MAssets
$194.4MLoans
$204.2MShares
$19.4MNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 73% of credit unions under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 18 of 62).
  • Widest gap: equity / assets trails 89% of credit unions under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 55 of 62).
  • Overall: at or above the peer median on 1 of 7 directional measures.

Return on Assets

-0.19%

Rank 51 of 62

Net Interest Margin

2.68%

Rank 51 of 62

Efficiency Ratio

98.89%

Rank 53 of 62

Equity / Assets

8.46%

Rank 55 of 62

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-0.19%0.01%0.47%0.92%Beats 18%51 / 62
Return on Equity-2.24%0.18%3.35%5.66%Beats 15%53 / 62
Net Interest Margin2.68%2.88%3.31%3.93%Beats 18%51 / 62
Efficiency Ratio98.89%71.17%84.14%92.47%Beats 16%53 / 62
Asset Quality
Nonperforming Loans / Loans0.28%0.22%0.52%0.99%Beats 73%18 / 62
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio8.46%9.30%12.20%16.33%Beats 11%55 / 62
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets8.46%9.30%12.20%16.33%Beats 11%55 / 62
Liquidity & Funding
Loans / Deposits95.22%48.69%57.00%84.55%95th pctl3 / 62
Loans / Assets85.03%42.93%53.05%69.62%98th pctl1 / 62
Brokered Deposits / Depositsn/aNot reported for this institution