Loma Linda, CA · Charter 10351
NCUA · 3 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.95% | 0.94% | 0.89% | 0.83% | 0.80% | 0.73% | 0.47% | 0.60% | -22 bps | |
| Return on Equity | 10.78% | 10.47% | 9.93% | 9.01% | 8.36% | 7.72% | 4.92% | 6.35% | -266 bps | |
| Net Interest Margin | 3.64% | 3.71% | 3.91% | 4.00% | 4.03% | 3.91% | 3.74% | 3.68% | -32 bps | |
| Efficiency Ratio | 77.20% | 77.59% | 81.02% | 81.96% | 82.19% | 81.15% | 82.25% | 82.71% | +75 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.14% | -2.27% | 1.94% | 2.65% | 0.86% | 3.26% | 0.22% | 2.94% | +29 bps | |
| Loan Growth (YoY) | -2.21% | -1.70% | 0.70% | 0.72% | 2.42% | 1.04% | 2.54% | 2.82% | +210 bps | |
| Share Growth (YoY) | -1.43% | -1.93% | 1.66% | 1.95% | 0.28% | 2.37% | -0.70% | 2.20% | +25 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.24% | 0.24% | 0.24% | 0.04% | 0.10% | 0.19% | 0.13% | 0.22% | +19 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.78% | 8.98% | 8.94% | 9.19% | 9.52% | 9.41% | 9.52% | 9.52% | +33 bps | |
| Net Worth / Assets | 8.78% | 8.98% | 8.94% | 9.19% | 9.52% | 9.41% | 9.52% | 9.52% | +33 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.63% | 67.25% | 65.75% | 66.47% | 69.07% | 66.38% | 67.89% | 66.88% | +40 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |