Ventura, CA · Charter 13495
NCUA · 3 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.12% | 0.00% | -0.07% | 0.63% | 0.79% | 0.72% | 0.10% | 0.13% | -50 bps | |
| Return on Equity | 1.64% | -0.06% | -0.94% | 8.21% | 9.86% | 8.90% | 1.19% | 1.55% | -665 bps | |
| Net Interest Margin | 2.77% | 2.70% | 2.41% | 2.47% | 2.65% | 2.74% | 2.91% | 2.96% | +49 bps | |
| Efficiency Ratio | 81.66% | 84.61% | 79.98% | 68.86% | 70.60% | 73.09% | 91.02% | 90.36% | +2,150 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.10% | 5.27% | 4.94% | 2.10% | 1.36% | 1.16% | -5.23% | -3.96% | -606 bps | |
| Loan Growth (YoY) | -3.36% | -3.64% | -4.89% | -8.19% | -8.03% | -13.11% | -16.92% | -16.78% | -859 bps | |
| Share Growth (YoY) | -0.09% | 5.87% | 5.70% | 1.96% | 1.00% | 0.56% | -6.40% | -4.76% | -673 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.32% | 2.42% | 2.99% | 0.30% | 1.71% | 2.89% | 1.27% | 3.52% | +322 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 | 7.57% | 7.46% | 7.20% | 7.70% | 8.00% | 8.12% | 8.42% | 8.51% | +81 bps | |
| Net Worth / Assets | 7.57% | 7.46% | 7.20% | 7.70% | 8.00% | 8.12% | 8.42% | 8.51% | +81 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 88.11% | 85.63% | 81.03% | 79.88% | 80.24% | 73.99% | 71.92% | 69.80% | -1,008 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |