Escondido, CA · Charter 13402
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 | 1.57% | 1.44% | 1.46% | 1.43% | 1.40% | 1.40% | 0.85% | 1.17% | -26 bps | |
| Return on Equity | 12.04% | 11.16% | 11.49% | 10.92% | 10.59% | 10.46% | 6.30% | 8.55% | -238 bps | |
| Net Interest Margin | 3.44% | 3.31% | 3.30% | 3.29% | 3.36% | 3.35% | 3.27% | 3.29% | 0 bps | |
| Efficiency Ratio | 58.09% | 60.37% | 60.10% | 60.85% | 61.04% | 62.09% | 69.41% | 65.09% | +423 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.27% | 9.68% | 4.70% | 7.30% | 9.38% | 7.34% | 3.82% | 4.96% | -234 bps | |
| Loan Growth (YoY) | 11.06% | 10.59% | 5.98% | 3.01% | 1.88% | 0.71% | 2.32% | 2.43% | -58 bps | |
| Share Growth (YoY) | -0.22% | 9.52% | 3.92% | 6.81% | 9.29% | 6.89% | 3.00% | 4.28% | -253 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.04% | 0.02% | 0.01% | 0.02% | 0.04% | 0.01% | 0.15% | 0.06% | +4 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 | 13.08% | 12.89% | 12.67% | 13.05% | 13.26% | 13.38% | 13.41% | 13.67% | +63 bps | |
| Net Worth / Assets | 13.08% | 12.89% | 12.67% | 13.05% | 13.26% | 13.38% | 13.41% | 13.67% | +63 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 43.56% | 42.29% | 39.01% | 40.04% | 40.60% | 39.84% | 38.75% | 39.34% | -71 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |