PackageTrendsPeer
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Edwards

Edwards, CA · Charter 14830

NCUA · 2 branches

Q2 2026

$276.6MAssets
$153.6MLoans
$253.9MShares
$24.2MNet 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 -0.18%, up 1 bps year over year; NIM at 3.67%.
  • Asset quality: problem loans at 0.81% of loans (+18 bps YoY).
  • Capital: net worth / assets of 8.76%, down 34 bps from a year ago.
  • Funding: loans stand at 60.50% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.18%+1 bps YoY

Net Interest Margin (YTD, annualized)

3.67%+39 bps YoY

Efficiency Ratio (YTD, annualized)

93.71%-342 bps YoY

Net Worth / Assets

8.76%-34 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.19%-0.19%-0.03%-0.16%-0.18%+1 bps
Return on Equity-2.04%-2.10%-0.34%-1.79%-2.00%+4 bps
Net Interest Margin3.28%3.35%3.37%3.60%3.67%+39 bps
Efficiency Ratio97.13%95.44%92.31%98.99%93.71%-342 bps
Growth
Asset Growth (YoY)3.00%2.80%6.62%3.78%3.36%+36 bps
Loan Growth (YoY)15.24%21.91%21.59%16.73%7.51%-773 bps
Share Growth (YoY)2.12%2.39%5.55%3.43%3.17%+106 bps
Asset Quality
Delinquent Loans / Loans0.64%0.73%0.71%0.87%0.81%+18 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 Capital9.10%9.02%8.87%8.75%8.76%-34 bps
Net Worth / Assets9.10%9.02%8.87%8.75%8.76%-34 bps
Liquidity & Funding
Loans / Shares58.06%60.17%60.01%60.56%60.50%+244 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps