Torrance, CA · Charter 17623
NCUA · 13 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.65% | 0.53% | 0.42% | 0.51% | 0.42% | -23 bps | |
| Return on Equity | 7.18% | 5.75% | 4.53% | 5.59% | 4.53% | -266 bps | |
| Net Interest Margin | 3.04% | 3.13% | 3.25% | 3.40% | 3.41% | +37 bps | |
| Efficiency Ratio | 79.81% | 79.88% | 82.50% | 87.27% | 88.97% | +915 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.30% | 0.28% | -0.55% | 0.63% | 1.10% | -119 bps | |
| Loan Growth (YoY) | -2.84% | -0.05% | 1.50% | 2.77% | 4.29% | +713 bps | |
| Share Growth (YoY) | 1.26% | -0.83% | -1.22% | -0.70% | 0.35% | -91 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.31% | 0.34% | 0.42% | 0.34% | 0.34% | +3 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.09% | 9.16% | 9.30% | 9.15% | 9.29% | +20 bps | |
| Net Worth / Assets | 9.09% | 9.16% | 9.30% | 9.15% | 9.29% | +20 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 86.58% | 87.12% | 90.38% | 88.17% | 89.98% | +340 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |