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Beverly Hills City Employees

Beverly Hills, CA · Charter 9823

NCUA · 1 branch

Q1 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: Q1 2026, the quarter ended March 31, 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=64). 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

59

Q2 2024Q1 2026peer median (50)

Asset Quality

9

Q2 2024Q1 2026peer median (50)

Profitability

27

Q2 2024Q1 2026peer median (50)

Liquidity

54

Q2 2024Q1 2026peer median

Efficiency

2

Q2 2024Q1 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

Beverly Hills City Employees

Beverly Hills, CA · Charter 9823

NCUA · 1 branch

Q1 2026

$14.9MAssets
$6.3MLoans
$13.1MShares
$1.9MNet 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 -3.00%, down 215 bps year over year; NIM at 4.03%.
  • Asset quality: problem loans at 1.91% of loans (+71 bps YoY).
  • Capital: net worth / assets of 12.88%, down 313 bps from a year ago.
  • Funding: loans stand at 47.66% of shares as of Q1 2026.

Financial Results

Return on Assets (YTD, annualized)

-3.00%-215 bps YoY

Net Interest Margin (YTD, annualized)

4.03%+51 bps YoY

Efficiency Ratio (YTD, annualized)

170.85%+4,890 bps YoY

Net Worth / Assets

12.88%-313 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2025Q2 2025Q3 2025Q4 2025Q1 2026YoY ΔTrend
Earnings
Return on Assets-0.85%-1.04%-1.76%-1.92%-3.00%-215 bps
Return on Equity-5.29%-6.48%-11.57%-12.46%-23.27%-1,798 bps
Net Interest Margin3.53%3.62%3.59%3.86%4.03%+51 bps
Efficiency Ratio121.95%126.32%132.93%134.82%170.85%+4,890 bps
Growth
Asset Growth (YoY)-10.84%-7.06%-6.77%-6.41%-11.53%-69 bps
Loan Growth (YoY)4.66%-2.08%-7.38%-5.75%-15.05%-1,971 bps
Share Growth (YoY)-10.96%-8.92%-7.52%-7.14%-10.18%+78 bps
Asset Quality
Delinquent Loans / Loans1.19%1.66%1.02%1.10%1.91%+71 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 Capital16.01%16.00%15.25%15.44%12.88%-313 bps
Net Worth / Assets16.01%16.00%15.25%15.44%12.88%-313 bps
Liquidity & Funding
Loans / Shares50.39%50.13%47.91%49.21%47.66%-273 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

Beverly Hills City Employees

Beverly Hills, CA · Charter 9823 · Peer group: credit unions under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=64)

NCUA · 1 branch

Q1 2026

$14.9MAssets
$6.3MLoans
$13.1MShares
$1.9MNet Worth

Executive Summary

  • Strongest standing: net interest margin outperforms 81% of credit unions under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 12 of 64).
  • Widest gap: return on equity trails 100% of credit unions under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 64 of 64).
  • Overall: at or above the peer median on 3 of 7 directional measures.

Return on Assets

-3.01%

Rank 64 of 64

Net Interest Margin

4.03%

Rank 12 of 64

Efficiency Ratio

171.34%

Rank 64 of 64

Equity / Assets

12.88%

Rank 26 of 64

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-3.01%0.00%0.48%0.84%Beats 0%64 / 64
Return on Equity-23.33%0.01%3.49%6.10%Beats 0%64 / 64
Net Interest Margin4.03%2.88%3.47%3.89%Beats 81%12 / 64
Efficiency Ratio171.34%72.62%83.36%93.82%Beats 2%64 / 64
Asset Quality
Nonperforming Loans / Loans1.90%0.17%0.42%1.00%Beats 9%59 / 64
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio12.88%9.13%11.86%16.48%Beats 59%26 / 64
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets12.88%9.13%11.86%16.48%Beats 59%26 / 64
Liquidity & Funding
Loans / Deposits47.66%48.58%58.61%83.79%23rd pctl49 / 64
Loans / Assets42.05%42.05%52.58%69.50%25th pctl48 / 64
Brokered Deposits / Depositsn/aNot reported for this institution