Los Angeles, CA · Charter 14723
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 | -0.01% | -0.03% | 0.14% | 0.16% | 0.15% | 0.11% | 0.00% | -0.04% | -20 bps | |
| Return on Equity | -0.13% | -0.29% | 1.58% | 1.80% | 1.68% | 1.07% | 0.01% | -0.43% | -223 bps | |
| Net Interest Margin | 1.22% | 1.25% | 1.50% | 1.53% | 1.52% | 1.67% | 1.78% | 1.63% | +10 bps | |
| Efficiency Ratio | 98.31% | 99.37% | 86.89% | 87.07% | 85.62% | 88.03% | 86.18% | 91.93% | +486 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 17.91% | 13.21% | -1.99% | 1.04% | -2.33% | -8.65% | -10.35% | -5.14% | -619 bps | |
| Loan Growth (YoY) | 4.12% | 35.34% | 73.48% | 69.29% | 56.51% | 22.36% | -5.43% | -6.33% | -7,562 bps | |
| Share Growth (YoY) | -5.65% | -3.61% | -2.40% | 1.78% | -1.48% | -1.51% | -2.30% | -1.64% | -341 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.06% | 0.07% | 0.11% | 0.27% | 0.21% | 0.29% | 0.32% | 0.30% | +3 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 | 8.67% | 8.95% | 8.91% | 8.99% | 8.96% | 9.89% | 10.01% | 9.47% | +48 bps | |
| Net Worth / Assets | 8.67% | 8.95% | 8.91% | 8.99% | 8.96% | 9.89% | 10.01% | 9.47% | +48 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 30.39% | 39.43% | 50.19% | 49.71% | 48.28% | 48.99% | 48.58% | 47.34% | -237 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |