Redlands, CA · Charter 9778
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 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
97
Asset Quality
100
Profitability
74
Liquidity
89
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.
Redlands, CA · Charter 9778
NCUA · 1 branch
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 | 2.85% | 2.21% | 1.65% | 1.81% | 1.94% | 1.20% | 1.57% | 1.50% | -31 bps | |
| Return on Equity | 10.96% | 8.75% | 6.42% | 6.92% | 7.24% | 4.86% | 6.36% | 5.91% | -102 bps | |
| Net Interest Margin | 4.73% | 4.15% | 4.43% | 4.46% | 4.51% | 3.79% | 4.22% | 4.22% | -24 bps | |
| Efficiency Ratio | 40.33% | 47.30% | 63.22% | 59.85% | 54.08% | 65.71% | 62.90% | 64.70% | +484 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.59% | -1.12% | -1.48% | 0.47% | -0.18% | 3.84% | 5.62% | 4.22% | +375 bps | |
| Loan Growth (YoY) | 15.98% | 9.41% | 5.83% | 2.95% | 2.23% | 1.12% | -2.13% | -6.22% | -917 bps | |
| Share Growth (YoY) | -7.84% | -4.32% | -4.36% | -2.20% | -2.78% | 2.65% | 3.18% | 4.35% | +655 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.21% | 1.31% | 1.07% | 1.23% | 0.97% | 0.00% | 0.00% | 0.00% | -123 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 | 25.98% | 25.20% | 25.65% | 26.15% | 26.77% | 24.74% | 24.76% | 25.45% | -70 bps | |
| Net Worth / Assets | 25.98% | 25.20% | 25.65% | 26.15% | 26.77% | 24.74% | 24.76% | 25.45% | -70 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 79.97% | 79.79% | 79.66% | 82.05% | 84.09% | 78.61% | 75.55% | 73.74% | -831 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Redlands, CA · Charter 9778 · Peer group: credit unions under $1B in assets in CA (n=62-63)
NCUA · 1 branch
Q2 2026
Return on Assets
1.50%
Rank 9 of 63
Net Interest Margin
4.22%
Rank 12 of 63
Efficiency Ratio
64.81%
Rank 11 of 63
Equity / Assets
25.45%
Rank 2 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.50% | 0.17% | 0.56% | 1.17% | Beats 86% | 9 / 63 | ||
| Return on Equity | 5.88% | 1.81% | 4.79% | 8.64% | Beats 54% | 29 / 63 | ||
| Net Interest Margin | 4.22% | 3.18% | 3.49% | 3.98% | Beats 81% | 12 / 63 | ||
| Efficiency Ratio | 64.81% | 70.58% | 81.25% | 89.21% | Beats 84% | 11 / 63 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.17% | 0.42% | 0.85% | Beats 100% | 4 / 62 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 25.45% | 8.61% | 10.56% | 14.01% | Beats 97% | 2 / 63 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 25.45% | 8.61% | 10.56% | 14.01% | Beats 97% | 2 / 63 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 73.74% | 53.46% | 72.75% | 85.33% | 53rd pctl | 29 / 62 | ||
| Loans / Assets | 54.32% | 46.35% | 58.08% | 72.17% | 43rd pctl | 36 / 63 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||