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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