El Cajon, CA · Charter 11099
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 | 0.72% | 0.63% | 0.56% | 0.12% | 0.03% | -69 bps | |
| Return on Equity | 7.87% | 6.46% | 5.80% | 1.31% | 0.35% | -751 bps | |
| Net Interest Margin | 2.95% | 3.12% | 3.11% | 3.15% | 3.18% | +23 bps | |
| Efficiency Ratio | 77.11% | 79.39% | 81.79% | 89.43% | 91.20% | +1,409 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.63% | -6.97% | -3.80% | 1.65% | 0.06% | +369 bps | |
| Loan Growth (YoY) | -0.39% | -1.79% | -2.50% | -2.77% | 1.44% | +182 bps | |
| Share Growth (YoY) | -2.63% | -9.95% | -4.69% | 3.19% | -0.09% | +253 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.34% | 0.24% | 0.16% | 0.19% | 1.28% | +94 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 | 9.18% | 9.70% | 9.69% | 9.32% | 9.40% | +21 bps | |
| Net Worth / Assets | 9.18% | 9.70% | 9.69% | 9.32% | 9.40% | +21 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 61.78% | 65.12% | 62.20% | 58.36% | 62.73% | +95 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |