La Mesa, CA · Charter 14016
NCUA · 2 branches
Q1 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.68% | 0.48% | 0.17% | 0.06% | 0.09% | 0.04% | -0.03% | -0.51% | -57 bps | |
| Return on Equity | 8.17% | 6.07% | 2.07% | 0.80% | 1.17% | 0.51% | -0.41% | -6.36% | -716 bps | |
| Net Interest Margin | 3.83% | 3.69% | 3.77% | 3.44% | 3.83% | 3.73% | 3.84% | 3.47% | +3 bps | |
| Efficiency Ratio | 80.13% | 86.48% | 89.06% | 100.03% | 98.76% | 99.60% | 100.96% | 108.99% | +896 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.57% | -3.53% | -2.61% | 9.15% | 0.33% | -2.19% | -4.22% | -11.34% | -2,049 bps | |
| Loan Growth (YoY) | -13.98% | -13.72% | -12.33% | -9.58% | -10.11% | -13.90% | -13.26% | -13.44% | -385 bps | |
| Share Growth (YoY) | -5.33% | -3.91% | -1.13% | 10.09% | 0.53% | -2.35% | -6.11% | -12.12% | -2,221 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.95% | 1.02% | 2.93% | 0.88% | 3.08% | 2.72% | 2.25% | 1.59% | +71 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 | 8.27% | 7.98% | 8.00% | 7.29% | 8.12% | 7.99% | 8.32% | 8.04% | +75 bps | |
| Net Worth / Assets | 8.27% | 7.98% | 8.00% | 7.29% | 8.12% | 7.99% | 8.32% | 8.04% | +75 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.44% | 62.92% | 62.11% | 55.26% | 59.41% | 55.48% | 57.38% | 54.44% | -83 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |