Mojave, CA · Charter 11900
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 | 2.48% | 1.87% | 0.87% | 1.18% | -1.53% | 1.52% | 0.82% | 0.55% | -63 bps | |
| Return on Equity | 13.27% | 10.24% | 4.71% | 6.76% | -8.42% | 7.80% | 4.22% | 2.76% | -400 bps | |
| Net Interest Margin | 6.02% | 5.76% | 4.83% | 4.85% | 5.12% | 5.18% | 4.99% | 4.97% | +12 bps | |
| Efficiency Ratio | 57.56% | 66.54% | 82.86% | 76.42% | 90.46% | 71.66% | 89.81% | 92.19% | +1,576 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -20.16% | -18.88% | -18.97% | 0.26% | -2.10% | -8.89% | -8.36% | -8.85% | -910 bps | |
| Loan Growth (YoY) | 5.21% | -10.95% | -10.11% | -13.19% | -17.91% | -15.62% | -11.98% | -17.73% | -454 bps | |
| Share Growth (YoY) | -25.06% | -23.53% | -23.39% | 0.48% | -1.51% | -10.24% | -9.62% | -11.58% | -1,206 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 1.46% | 2.20% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 5.68% | 5.87% | 6.22% | 6.26% | 6.91% | 6.96% | 7.06% | 7.61% | +135 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.70% | 18.29% | 18.38% | 17.51% | 18.15% | 19.46% | 19.42% | 19.98% | +247 bps | |
| Net Worth / Assets | 18.70% | 18.29% | 18.38% | 17.51% | 18.15% | 19.46% | 19.42% | 19.98% | +247 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 91.64% | 85.30% | 80.10% | 79.69% | 76.38% | 80.19% | 78.01% | 74.14% | -555 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |