PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

United Catholics

Covina, CA · Charter 12029

NCUA · 1 branch

Q2 2026

$49.3MAssets
$23.2MLoans
$44.0MShares
$4.8MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.74%, unchanged from a year ago; NIM at 3.30%.
  • Asset quality: problem loans at 0.02% of loans (0 bps YoY).
  • Capital: net worth / assets of 9.76%, up 40 bps from a year ago.
  • Funding: loans stand at 52.61% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.74%0 bps YoY

Net Interest Margin (YTD, annualized)

3.30%+2 bps YoY

Efficiency Ratio (YTD, annualized)

80.49%-63 bps YoY

Net Worth / Assets

9.76%+40 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.74%0.78%0.84%0.71%0.74%0 bps
Return on Equity7.89%8.18%8.66%7.50%7.60%-29 bps
Net Interest Margin3.28%3.34%3.31%3.21%3.30%+2 bps
Efficiency Ratio81.12%80.62%79.28%80.99%80.49%-63 bps
Growth
Asset Growth (YoY)-1.67%1.08%2.72%7.38%4.81%+648 bps
Loan Growth (YoY)6.92%2.81%4.66%6.18%1.33%-559 bps
Share Growth (YoY)-1.84%0.83%1.19%7.16%4.03%+587 bps
Asset Quality
Delinquent Loans / Loans0.02%0.01%0.04%0.00%0.02%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.36%9.53%9.68%9.42%9.76%+40 bps
Net Worth / Assets9.36%9.53%9.68%9.42%9.76%+40 bps
Liquidity & Funding
Loans / Shares54.01%52.37%52.95%52.12%52.61%-140 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps