Los Angeles, CA · Charter 16570
NCUA · 2 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.20% | 1.71% | 0.74% | 0.30% | -0.19% | -239 bps | |
| Return on Equity | 9.75% | 7.32% | 3.18% | 1.29% | -0.83% | -1,059 bps | |
| Net Interest Margin | 4.09% | 3.38% | 3.83% | 1.25% | 1.48% | -261 bps | |
| Efficiency Ratio | 47.17% | 50.22% | 81.06% | 80.03% | 111.09% | +6,392 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.70% | 3.23% | -1.19% | -1.10% | -3.40% | -710 bps | |
| Loan Growth (YoY) | -6.06% | 1.82% | 11.10% | -0.89% | -7.93% | -187 bps | |
| Share Growth (YoY) | 2.73% | 1.53% | -2.54% | -1.36% | -4.14% | -687 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 22.87% | 11.86% | 12.84% | 3.94% | 3.26% | -1,961 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.49% | 1.58% | 1.51% | 1.63% | 1.62% | +13 bps | |
| Capital | |||||||
| Risk-Based Capital | 22.53% | 23.30% | 23.22% | 23.29% | 23.13% | +60 bps | |
| Net Worth / Assets | 22.53% | 23.30% | 23.22% | 23.29% | 23.13% | +60 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 59.45% | 57.62% | 61.43% | 57.11% | 57.10% | -235 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |