PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Vida

Ontario, CA · Charter 14542

NCUA · 1 branch

Q2 2026

$174.6MAssets
$88.8MLoans
$150.4MShares
$24.0MNet 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 0.49%, down 89 bps year over year; NIM at 3.49%.
  • Asset quality: problem loans at 0.13% of loans (-4 bps YoY).
  • Capital: net worth / assets of 13.75%, up 17 bps from a year ago.
  • Funding: loans stand at 59.02% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.49%-89 bps YoY

Net Interest Margin (YTD, annualized)

3.49%+5 bps YoY

Efficiency Ratio (YTD, annualized)

85.26%+1,050 bps YoY

Net Worth / Assets

13.75%+17 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.38%1.13%0.95%0.52%0.49%-89 bps
Return on Equity10.17%8.06%6.85%3.74%3.54%-663 bps
Net Interest Margin3.44%3.54%3.49%3.43%3.49%+5 bps
Efficiency Ratio74.76%78.42%78.23%83.29%85.26%+1,050 bps
Growth
Asset Growth (YoY)-0.82%0.72%2.81%0.52%2.48%+330 bps
Loan Growth (YoY)1.25%-0.86%-0.77%4.44%6.21%+496 bps
Share Growth (YoY)-2.26%0.06%2.07%0.45%2.81%+507 bps
Asset Quality
Delinquent Loans / Loans0.17%0.11%0.16%0.06%0.13%-4 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 Capital13.59%13.99%13.83%13.79%13.75%+17 bps
Net Worth / Assets13.59%13.99%13.83%13.79%13.75%+17 bps
Liquidity & Funding
Loans / Shares57.13%57.80%57.30%58.20%59.02%+189 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps