Redlands City Employees
Redlands, CA · Charter 9778 · Peer group: credit unions under $1B in assets in CA (n=62-63)
NCUA · 1 branch
Q2 2026
$10.2MAssets
$5.5MLoans
$7.5MShares
$2.6MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of credit unions under $1B in assets in CA (rank 4 of 62).
- Widest gap: return on equity trails 46% of credit unions under $1B in assets in CA (rank 29 of 63).
- Overall: at or above the peer median on 7 of 7 directional measures.
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 |