PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Cal State L.A.

Los Angeles, CA · Charter 14499

NCUA · 1 branch

Q2 2026

$80.2MAssets
$53.9MLoans
$72.9MShares
$7.2MNet 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 0.29%, up 15 bps year over year; NIM at 3.33%.
  • Asset quality: problem loans at 0.53% of loans (+46 bps YoY).
  • Capital: net worth / assets of 9.03%, down 36 bps from a year ago.
  • Funding: loans stand at 73.94% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.29%+15 bps YoY

Net Interest Margin (quarter, annualized)

3.33%+3 bps YoY

Efficiency Ratio (quarter, annualized)

88.35%-383 bps YoY

Net Worth / Assets

9.03%-36 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.14%0.16%0.16%0.20%0.29%+15 bps
Return on Equity1.54%1.73%1.77%2.19%3.27%+172 bps
Net Interest Margin3.30%3.24%3.29%3.28%3.33%+3 bps
Efficiency Ratio92.18%91.73%91.41%88.40%88.35%-383 bps
Growth
Asset Growth (YoY)-3.40%1.72%2.31%4.02%6.72%+1,012 bps
Loan Growth (YoY)-2.44%-2.03%-1.98%-2.43%-2.87%-43 bps
Share Growth (YoY)0.29%1.35%1.45%2.08%7.30%+702 bps
Asset Quality
Delinquent Loans / Loans0.07%1.11%0.85%0.05%0.53%+46 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 Capital9.39%9.13%9.18%8.96%9.03%-36 bps
Net Worth / Assets9.39%9.13%9.18%8.96%9.03%-36 bps
Liquidity & Funding
Loans / Shares81.69%78.59%78.58%74.97%73.94%-774 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps