Los Angeles, CA · Charter 14499
NCUA · 1 branch
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.27% | -0.07% | 0.13% | 0.14% | 0.16% | 0.16% | 0.20% | 0.29% | +15 bps | |
| Return on Equity | -2.96% | -0.71% | 1.42% | 1.54% | 1.73% | 1.77% | 2.19% | 3.27% | +172 bps | |
| Net Interest Margin | 2.76% | 2.84% | 3.19% | 3.30% | 3.24% | 3.29% | 3.28% | 3.33% | +3 bps | |
| Efficiency Ratio | 109.01% | 102.01% | 93.83% | 92.18% | 91.73% | 91.41% | 88.40% | 88.35% | -383 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.28% | 0.73% | -0.44% | -3.40% | 1.72% | 2.31% | 4.02% | 6.72% | +1,012 bps | |
| Loan Growth (YoY) | -1.31% | -0.54% | -1.70% | -2.44% | -2.03% | -1.98% | -2.43% | -2.87% | -43 bps | |
| Share Growth (YoY) | 1.64% | 5.64% | 5.80% | 0.29% | 1.35% | 1.45% | 2.08% | 7.30% | +702 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.10% | 0.13% | 0.11% | 0.07% | 1.11% | 0.85% | 0.05% | 0.53% | +46 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 | 9.03% | 9.23% | 9.14% | 9.39% | 9.13% | 9.18% | 8.96% | 9.03% | -36 bps | |
| Net Worth / Assets | 9.03% | 9.23% | 9.14% | 9.39% | 9.13% | 9.18% | 8.96% | 9.03% | -36 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.30% | 81.33% | 78.43% | 81.69% | 78.59% | 78.58% | 74.97% | 73.94% | -774 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |