PackageTrendsPeer
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Employees Choice

El Cajon, CA · Charter 13526

NCUA · 2 branches

Q2 2026

$24.6MAssets
$9.0MLoans
$21.7MShares
$2.7MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.95%, down 8 bps year over year; NIM at 3.13%.
  • Asset quality: problem loans at 0.00% of loans (-6 bps YoY).
  • Capital: net worth / assets of 11.15%, up 25 bps from a year ago.
  • Funding: loans stand at 41.56% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.95%-8 bps YoY

Net Interest Margin (quarter, annualized)

3.13%+9 bps YoY

Efficiency Ratio (quarter, annualized)

73.44%+99 bps YoY

Net Worth / Assets

11.15%+25 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.03%1.01%1.04%0.90%0.95%-8 bps
Return on Equity9.45%9.31%9.23%7.69%8.51%-94 bps
Net Interest Margin3.05%3.03%3.11%3.27%3.13%+9 bps
Efficiency Ratio72.44%72.05%71.53%76.70%73.44%+99 bps
Growth
Asset Growth (YoY)-0.57%4.42%0.67%-1.83%7.12%+769 bps
Loan Growth (YoY)-8.28%-7.59%-6.31%-4.27%-0.19%+809 bps
Share Growth (YoY)-2.11%2.90%-1.69%-3.23%5.91%+801 bps
Asset Quality
Delinquent Loans / Loans0.06%0.06%0.00%0.00%0.00%-6 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.90%10.84%11.22%11.66%11.15%+25 bps
Net Worth / Assets10.90%10.84%11.22%11.66%11.15%+25 bps
Liquidity & Funding
Loans / Shares44.10%42.35%42.34%42.95%41.56%-254 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps