Ontario, CA · Charter 13044
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.77% | 1.70% | 1.66% | 1.33% | 1.46% | -32 bps | |
| Return on Equity | 12.90% | 11.94% | 11.33% | 8.90% | 9.41% | -348 bps | |
| Net Interest Margin | 4.54% | 4.63% | 4.64% | 4.36% | 4.39% | -15 bps | |
| Efficiency Ratio | 59.98% | 62.35% | 63.44% | 70.53% | 68.15% | +817 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.58% | 1.87% | 0.71% | -4.02% | -1.80% | -238 bps | |
| Loan Growth (YoY) | -8.51% | -5.99% | -9.93% | -15.32% | -18.07% | -955 bps | |
| Share Growth (YoY) | -1.81% | 0.07% | -0.90% | -6.30% | -3.73% | -192 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.02% | 0.86% | 0.98% | 1.96% | 1.02% | 0 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 | 13.76% | 14.22% | 14.63% | 14.92% | 15.48% | +172 bps | |
| Net Worth / Assets | 13.76% | 14.22% | 14.63% | 14.92% | 15.48% | +172 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 56.32% | 56.81% | 53.64% | 49.42% | 47.93% | -839 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |