PackageTrendsPeer
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La Loma

Loma Linda, CA · Charter 10351

NCUA · 3 branches

Q2 2026

$116.6MAssets
$73.9MLoans
$110.5MShares
$11.1MNet 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 0.60%, down 22 bps year over year; NIM at 3.68%.
  • Asset quality: problem loans at 0.22% of loans (+19 bps YoY).
  • Capital: net worth / assets of 9.52%, up 33 bps from a year ago.
  • Funding: loans stand at 66.88% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.60%-22 bps YoY

Net Interest Margin (quarter, annualized)

3.68%-32 bps YoY

Efficiency Ratio (quarter, annualized)

82.71%+75 bps YoY

Net Worth / Assets

9.52%+33 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.83%0.80%0.73%0.47%0.60%-22 bps
Return on Equity9.01%8.36%7.72%4.92%6.35%-266 bps
Net Interest Margin4.00%4.03%3.91%3.74%3.68%-32 bps
Efficiency Ratio81.96%82.19%81.15%82.25%82.71%+75 bps
Growth
Asset Growth (YoY)2.65%0.86%3.26%0.22%2.94%+29 bps
Loan Growth (YoY)0.72%2.42%1.04%2.54%2.82%+210 bps
Share Growth (YoY)1.95%0.28%2.37%-0.70%2.20%+25 bps
Asset Quality
Delinquent Loans / Loans0.04%0.10%0.19%0.13%0.22%+19 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 Capital9.19%9.52%9.41%9.52%9.52%+33 bps
Net Worth / Assets9.19%9.52%9.41%9.52%9.52%+33 bps
Liquidity & Funding
Loans / Shares66.47%69.07%66.38%67.89%66.88%+40 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps