PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Fontana

Fontana, CA · Charter 12898

NCUA · 1 branch

Q2 2026

$17.5MAssets
$6.8MLoans
$16.1MShares
$1.5MNet 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 0.08%, up 7 bps year over year; NIM at 2.95%.
  • Asset quality: problem loans at 1.06% of loans (-7 bps YoY).
  • Capital: net worth / assets of 8.61%, unchanged from a year ago.
  • Funding: loans stand at 42.39% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.08%+7 bps YoY

Net Interest Margin (YTD, annualized)

2.95%+25 bps YoY

Efficiency Ratio (YTD, annualized)

94.35%+42 bps YoY

Net Worth / Assets

8.61%0 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.01%0.09%0.10%0.10%0.08%+7 bps
Return on Equity0.10%1.02%1.09%1.19%0.96%+86 bps
Net Interest Margin2.71%2.83%2.96%2.90%2.95%+25 bps
Efficiency Ratio93.92%91.82%92.48%96.28%94.35%+42 bps
Growth
Asset Growth (YoY)2.48%2.86%-0.18%0.29%1.53%-95 bps
Loan Growth (YoY)-7.59%-10.22%-12.97%-9.40%-8.98%-138 bps
Share Growth (YoY)2.83%3.16%0.35%0.79%2.08%-74 bps
Asset Quality
Delinquent Loans / Loans1.13%1.12%1.46%1.38%1.06%-7 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 Capital8.61%8.84%9.09%8.72%8.61%0 bps
Net Worth / Assets8.61%8.84%9.09%8.72%8.61%0 bps
Liquidity & Funding
Loans / Shares47.54%47.32%46.36%42.86%42.39%-515 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps