PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Los Angeles

Glendale, CA · Charter 1207

NCUA · 8 branches

Q2 2026

$1.3BAssets
$911.8MLoans
$1.1BShares
$147.2MNet Worth

Executive Summary

  • Earnings: ROA of 0.60%, up 30 bps year over year; NIM at 3.83%.
  • Asset quality: problem loans at 0.70% of loans (+2 bps YoY).
  • Capital: net worth / assets of 11.40%, up 49 bps from a year ago.
  • Funding: loans stand at 79.49% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.60%+30 bps YoY

Net Interest Margin (YTD, annualized)

3.83%+43 bps YoY

Efficiency Ratio (YTD, annualized)

73.69%-667 bps YoY

Net Worth / Assets

11.40%+49 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.05%-0.20%0.28%0.30%0.45%0.49%0.57%0.60%+30 bps
Return on Equity-0.45%-1.81%2.55%2.70%4.02%4.31%4.99%5.26%+256 bps
Net Interest Margin2.92%3.06%3.28%3.40%3.49%3.68%3.83%3.83%+43 bps
Efficiency Ratio84.97%83.57%81.58%80.36%78.02%77.01%72.47%73.69%-667 bps
Growth
Asset Growth (YoY)0.84%-2.45%-2.89%-2.29%-3.24%-1.80%0.11%1.36%+365 bps
Loan Growth (YoY)-0.21%-1.36%-1.96%-0.75%-0.35%1.38%0.98%3.12%+387 bps
Share Growth (YoY)-3.64%-1.25%1.47%2.95%5.16%3.45%3.74%3.60%+65 bps
Asset Quality
Delinquent Loans / Loans0.62%0.72%0.56%0.68%0.63%0.71%0.58%0.70%+2 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.91%11.06%10.92%10.92%11.10%11.41%11.35%11.40%+49 bps
Net Worth / Assets10.91%11.06%10.92%10.92%11.10%11.41%11.35%11.40%+49 bps
Liquidity & Funding
Loans / Shares82.39%82.09%78.97%79.86%78.07%80.45%76.87%79.49%-37 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps