Downey, CA · Charter 11870
NCUA · 1 branch
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 | -0.36% | -0.17% | -0.59% | 0.33% | 0.32% | +68 bps | |
| Return on Equity | -3.95% | -1.88% | -6.79% | 3.86% | 3.63% | +758 bps | |
| Net Interest Margin | 2.87% | 2.92% | 2.94% | 2.97% | 3.01% | +14 bps | |
| Efficiency Ratio | 83.80% | 85.85% | 87.00% | 88.21% | 88.40% | +459 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.64% | -2.34% | 2.24% | 2.10% | 0.91% | +355 bps | |
| Loan Growth (YoY) | 10.38% | 11.03% | 3.51% | -0.74% | -6.09% | -1,647 bps | |
| Share Growth (YoY) | 2.16% | 2.50% | 3.19% | 4.39% | 2.90% | +74 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.70% | 4.83% | 0.46% | 0.48% | 0.52% | -418 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 | 9.20% | 9.20% | 8.70% | 8.64% | 8.80% | -40 bps | |
| Net Worth / Assets | 9.20% | 9.20% | 8.70% | 8.64% | 8.80% | -40 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 71.15% | 70.22% | 67.27% | 64.96% | 64.93% | -622 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |