PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Inland

La Mesa, CA · Charter 14016

NCUA · 2 branches

Q1 2026

$14.8MAssets
$7.4MLoans
$13.6MShares
$1.2MNet 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 -0.51%, down 57 bps year over year; NIM at 3.47%.
  • Asset quality: problem loans at 1.59% of loans (+71 bps YoY).
  • Capital: net worth / assets of 8.04%, up 75 bps from a year ago.
  • Funding: loans stand at 54.44% of shares as of Q1 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.51%-57 bps YoY

Net Interest Margin (YTD, annualized)

3.47%+3 bps YoY

Efficiency Ratio (YTD, annualized)

108.99%+896 bps YoY

Net Worth / Assets

8.04%+75 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2025Q2 2025Q3 2025Q4 2025Q1 2026YoY ΔTrend
Earnings
Return on Assets0.06%0.09%0.04%-0.03%-0.51%-57 bps
Return on Equity0.80%1.17%0.51%-0.41%-6.36%-716 bps
Net Interest Margin3.44%3.83%3.73%3.84%3.47%+3 bps
Efficiency Ratio100.03%98.76%99.60%100.96%108.99%+896 bps
Growth
Asset Growth (YoY)9.15%0.33%-2.19%-4.22%-11.34%-2,049 bps
Loan Growth (YoY)-9.58%-10.11%-13.90%-13.26%-13.44%-385 bps
Share Growth (YoY)10.09%0.53%-2.35%-6.11%-12.12%-2,221 bps
Asset Quality
Delinquent Loans / Loans0.88%3.08%2.72%2.25%1.59%+71 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 Capital7.29%8.12%7.99%8.32%8.04%+75 bps
Net Worth / Assets7.29%8.12%7.99%8.32%8.04%+75 bps
Liquidity & Funding
Loans / Shares55.26%59.41%55.48%57.38%54.44%-83 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps