PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Mission

San Diego, CA · Charter 14384

NCUA · 36 branches

Q2 2026

$7.3BAssets
$5.2BLoans
$6.3BShares
$894.4MNet 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 1.15%, up 31 bps year over year; NIM at 2.52%.
  • Asset quality: problem loans at 0.15% of loans (-6 bps YoY).
  • Capital: net worth / assets of 12.27%, up 20 bps from a year ago.
  • Funding: loans stand at 81.33% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.15%+31 bps YoY

Net Interest Margin (YTD, annualized)

2.52%+12 bps YoY

Efficiency Ratio (YTD, annualized)

61.34%-491 bps YoY

Net Worth / Assets

12.27%+20 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.84%0.82%0.83%0.86%1.15%+31 bps
Return on Equity6.96%6.81%7.01%7.15%9.39%+243 bps
Net Interest Margin2.40%2.40%2.37%2.45%2.52%+12 bps
Efficiency Ratio66.25%66.22%66.30%66.88%61.34%-491 bps
Growth
Asset Growth (YoY)4.56%6.05%8.26%5.92%6.10%+154 bps
Loan Growth (YoY)6.47%7.73%7.24%5.61%6.83%+36 bps
Share Growth (YoY)6.64%5.81%7.70%5.58%5.78%-86 bps
Asset Quality
Delinquent Loans / Loans0.21%0.15%0.20%0.15%0.15%-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 Capital12.08%12.09%11.91%12.00%12.27%+20 bps
Net Worth / Assets12.08%12.09%11.91%12.00%12.27%+20 bps
Liquidity & Funding
Loans / Shares80.53%81.00%79.86%79.73%81.33%+80 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps