San Pedro, CA · Charter 10433
NCUA · 1 branch
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 | -0.16% | 0.03% | 0.72% | 0.64% | 0.75% | 0.61% | 0.84% | 0.69% | +6 bps | |
| Return on Equity | -0.81% | 0.14% | 3.51% | 3.04% | 3.51% | 2.77% | 3.48% | 2.80% | -24 bps | |
| Net Interest Margin | 1.86% | 1.93% | 2.26% | 2.34% | 2.50% | 2.63% | 2.87% | 2.99% | +64 bps | |
| Efficiency Ratio | 83.65% | 80.98% | 70.40% | 67.60% | 65.25% | 66.93% | 67.82% | 64.27% | -333 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.86% | -2.08% | -1.51% | -0.71% | -2.68% | -5.19% | -12.41% | -13.20% | -1,249 bps | |
| Loan Growth (YoY) | 12.84% | 8.53% | 1.92% | -3.98% | -11.58% | -14.07% | -17.40% | -19.91% | -1,592 bps | |
| Share Growth (YoY) | -0.84% | -0.48% | -2.03% | -1.38% | -3.70% | -8.68% | -16.53% | -17.50% | -1,612 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.38% | 0.95% | 0.56% | 0.96% | 0.57% | 1.38% | 1.53% | 1.52% | +56 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 | 20.21% | 20.41% | 20.61% | 20.91% | 21.49% | 22.14% | 24.19% | 24.75% | +384 bps | |
| Net Worth / Assets | 20.21% | 20.41% | 20.61% | 20.91% | 21.49% | 22.14% | 24.19% | 24.75% | +384 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 46.00% | 45.13% | 43.33% | 43.02% | 42.23% | 42.46% | 42.88% | 41.77% | -125 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |