Monterey, CA · Charter 97071
NCUA · 5 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 CA (n=62 to 63). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
27
Asset Quality
21
Profitability
19
Liquidity
24
Efficiency
25
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.
Monterey, CA · Charter 97071
NCUA · 5 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 | -1.25% | -0.94% | -0.79% | -0.92% | -0.18% | +107 bps | |
| Return on Equity | -13.42% | -10.17% | -8.77% | -10.60% | -2.08% | +1,134 bps | |
| Net Interest Margin | 2.76% | 2.96% | 3.01% | 3.32% | 3.42% | +66 bps | |
| Efficiency Ratio | 122.93% | 113.43% | 108.18% | 106.64% | 89.20% | -3,372 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 12.95% | 7.37% | 13.26% | 6.65% | 2.00% | -1,095 bps | |
| Loan Growth (YoY) | 20.08% | 14.52% | 15.73% | 13.55% | 3.40% | -1,668 bps | |
| Share Growth (YoY) | 8.17% | 4.67% | 10.47% | 9.11% | -1.18% | -935 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.61% | 0.72% | 1.06% | 0.99% | 0.97% | +36 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 | 9.33% | 9.27% | 9.05% | 8.70% | 8.75% | -58 bps | |
| Net Worth / Assets | 9.33% | 9.27% | 9.05% | 8.70% | 8.75% | -58 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 83.66% | 80.95% | 81.31% | 81.26% | 87.54% | +388 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Monterey, CA · Charter 97071 · Peer group: credit unions under $1B in assets in CA (n=62-63)
NCUA · 5 branches
Q2 2026
Return on Assets
-0.18%
Rank 58 of 63
Net Interest Margin
3.42%
Rank 37 of 63
Efficiency Ratio
89.21%
Rank 48 of 63
Equity / Assets
8.75%
Rank 46 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.18% | 0.17% | 0.56% | 1.17% | Beats 8% | 58 / 63 | |
| Return on Equity | -2.08% | 1.81% | 4.79% | 8.64% | Beats 8% | 58 / 63 | |
| Net Interest Margin | 3.42% | 3.18% | 3.49% | 3.98% | Beats 41% | 37 / 63 | |
| Efficiency Ratio | 89.21% | 70.58% | 81.25% | 89.21% | Beats 25% | 48 / 63 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.97% | 0.17% | 0.42% | 0.85% | Beats 21% | 50 / 62 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 8.75% | 8.61% | 10.56% | 14.01% | Beats 27% | 46 / 63 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 8.75% | 8.61% | 10.56% | 14.01% | Beats 27% | 46 / 63 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 87.54% | 53.46% | 72.75% | 85.33% | 84th pctl | 10 / 62 | |
| Loans / Assets | 71.97% | 46.35% | 58.08% | 72.17% | 71st pctl | 18 / 63 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||