Sylmar, CA · Charter 1034
NCUA · 2 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 | 0.65% | 0.62% | 0.54% | -2.23% | -2.04% | -269 bps | |
| Return on Equity | 3.07% | 3.04% | 2.71% | -11.57% | -10.83% | -1,389 bps | |
| Net Interest Margin | 3.25% | 3.23% | 3.14% | 3.54% | 3.21% | -3 bps | |
| Efficiency Ratio | 80.73% | 79.42% | 80.76% | 70.05% | 87.70% | +696 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.97% | 13.54% | 16.09% | 12.52% | 8.04% | -93 bps | |
| Loan Growth (YoY) | -0.64% | 0.77% | -1.25% | -3.79% | -8.02% | -738 bps | |
| Share Growth (YoY) | 10.38% | 16.06% | 19.72% | 16.56% | 11.62% | +124 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.02% | 1.94% | 1.85% | 1.33% | 0.93% | -110 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 | 21.04% | 20.41% | 19.89% | 19.24% | 18.87% | -217 bps | |
| Net Worth / Assets | 21.04% | 20.41% | 19.89% | 19.24% | 18.87% | -217 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 66.71% | 62.55% | 61.80% | 56.34% | 54.97% | -1,174 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |