PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Torrance Community

Torrance, CA · Charter 12543

NCUA · 1 branch

Q2 2026

$162.9MAssets
$70.0MLoans
$150.8MShares
$16.5MNet 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 0.57%, down 81 bps year over year; NIM at 3.26%.
  • Asset quality: problem loans at 0.13% of loans (-8 bps YoY).
  • Capital: net worth / assets of 10.15%, up 14 bps from a year ago.
  • Funding: loans stand at 46.38% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.57%-81 bps YoY

Net Interest Margin (YTD, annualized)

3.26%+3 bps YoY

Efficiency Ratio (YTD, annualized)

83.88%+1,687 bps YoY

Net Worth / Assets

10.15%+14 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.39%1.15%0.98%0.61%0.57%-81 bps
Return on Equity13.84%11.37%9.81%6.00%5.66%-818 bps
Net Interest Margin3.23%3.26%3.20%3.28%3.26%+3 bps
Efficiency Ratio67.01%69.52%72.90%83.34%83.88%+1,687 bps
Growth
Asset Growth (YoY)-0.70%2.06%5.48%2.08%4.53%+523 bps
Loan Growth (YoY)11.69%6.85%5.49%7.42%7.56%-413 bps
Share Growth (YoY)-0.98%0.22%2.54%0.14%3.58%+456 bps
Asset Quality
Delinquent Loans / Loans0.21%0.37%0.10%0.06%0.13%-8 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 Capital10.01%10.11%10.00%10.22%10.15%+14 bps
Net Worth / Assets10.01%10.11%10.00%10.22%10.15%+14 bps
Liquidity & Funding
Loans / Shares44.66%44.98%45.81%47.63%46.38%+171 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps