Downey, CA · Charter 1204
NCUA · 3 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.42% | 0.43% | 0.32% | 0.52% | 0.47% | +5 bps | |
| Return on Equity | 5.09% | 5.07% | 3.78% | 6.12% | 5.49% | +40 bps | |
| Net Interest Margin | 3.92% | 4.01% | 4.11% | 4.25% | 4.34% | +42 bps | |
| Efficiency Ratio | 86.11% | 86.96% | 89.60% | 90.96% | 90.71% | +461 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.79% | 1.01% | 1.24% | 0.17% | -0.72% | -250 bps | |
| Loan Growth (YoY) | 2.55% | -0.54% | 0.80% | -0.38% | -2.61% | -516 bps | |
| Share Growth (YoY) | 1.02% | 0.68% | 2.12% | -1.05% | -0.47% | -149 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.28% | 0.27% | 0.14% | 0.12% | 0.47% | +19 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 | 8.28% | 8.42% | 8.47% | 8.42% | 8.64% | +36 bps | |
| Net Worth / Assets | 8.28% | 8.42% | 8.47% | 8.42% | 8.64% | +36 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 61.96% | 63.31% | 63.52% | 61.13% | 60.63% | -133 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |