PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Ontario Public Employees

Ontario, CA · Charter 13044

NCUA · 1 branch

Q2 2026

$23.2MAssets
$9.3MLoans
$19.3MShares
$3.6MNet Worth

Executive Summary

  • Earnings: ROA of 1.46%, down 32 bps year over year; NIM at 4.39%.
  • Asset quality: problem loans at 1.02% of loans (0 bps YoY).
  • Capital: net worth / assets of 15.48%, up 172 bps from a year ago.
  • Funding: loans stand at 47.93% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.46%-32 bps YoY

Net Interest Margin (YTD, annualized)

4.39%-15 bps YoY

Efficiency Ratio (YTD, annualized)

68.15%+817 bps YoY

Net Worth / Assets

15.48%+172 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.65%1.70%1.46%1.77%1.70%1.66%1.33%1.46%-32 bps
Return on Equity12.92%13.01%11.43%12.90%11.94%11.33%8.90%9.41%-348 bps
Net Interest Margin4.51%4.49%4.25%4.54%4.63%4.64%4.36%4.39%-15 bps
Efficiency Ratio63.89%62.62%64.96%59.98%62.35%63.44%70.53%68.15%+817 bps
Growth
Asset Growth (YoY)-12.46%-4.14%-0.90%0.58%1.87%0.71%-4.02%-1.80%-238 bps
Loan Growth (YoY)-9.34%-12.19%-11.24%-8.51%-5.99%-9.93%-15.32%-18.07%-955 bps
Share Growth (YoY)-15.27%-6.46%-3.46%-1.81%0.07%-0.90%-6.30%-3.73%-192 bps
Asset Quality
Delinquent Loans / Loans0.98%1.04%0.86%1.02%0.86%0.98%1.96%1.02%0 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 Capital12.74%13.10%12.81%13.76%14.22%14.63%14.92%15.48%+172 bps
Net Worth / Assets12.74%13.10%12.81%13.76%14.22%14.63%14.92%15.48%+172 bps
Liquidity & Funding
Loans / Shares60.47%59.02%54.69%56.32%56.81%53.64%49.42%47.93%-839 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps