Fontana, CA · Charter 12898
NCUA · 1 branch
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.09% | 0.04% | -0.04% | 0.01% | 0.09% | 0.10% | 0.10% | 0.08% | +7 bps | |
| Return on Equity | 0.97% | 0.40% | -0.45% | 0.10% | 1.02% | 1.09% | 1.19% | 0.96% | +86 bps | |
| Net Interest Margin | 2.64% | 2.63% | 2.57% | 2.71% | 2.83% | 2.96% | 2.90% | 2.95% | +25 bps | |
| Efficiency Ratio | 96.30% | 98.15% | 98.79% | 93.92% | 91.82% | 92.48% | 96.28% | 94.35% | +42 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.98% | -2.03% | 2.78% | 2.48% | 2.86% | -0.18% | 0.29% | 1.53% | -95 bps | |
| Loan Growth (YoY) | 7.14% | -2.06% | -6.17% | -7.59% | -10.22% | -12.97% | -9.40% | -8.98% | -138 bps | |
| Share Growth (YoY) | -4.49% | -2.27% | 3.07% | 2.83% | 3.16% | 0.35% | 0.79% | 2.08% | -74 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.68% | 1.25% | 1.66% | 1.13% | 1.12% | 1.46% | 1.38% | 1.06% | -7 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.06% | 8.97% | 8.61% | 8.61% | 8.84% | 9.09% | 8.72% | 8.61% | 0 bps | |
| Net Worth / Assets | 9.06% | 8.97% | 8.61% | 8.61% | 8.84% | 9.09% | 8.72% | 8.61% | 0 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 54.36% | 53.46% | 47.68% | 47.54% | 47.32% | 46.36% | 42.86% | 42.39% | -515 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |