Chula Vista, CA · Charter 18405
NCUA · 2 branches
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 | 0.69% | 0.90% | -0.50% | -0.66% | -0.51% | -3.13% | 10.13% | 4.44% | +509 bps | |
| Return on Equity | 9.76% | 10.87% | -6.43% | -8.72% | -6.66% | -57.50% | 119.10% | 53.72% | +6,244 bps | |
| Net Interest Margin | 4.22% | 4.92% | 5.04% | 5.07% | 5.34% | 5.72% | 6.47% | 6.32% | +125 bps | |
| Efficiency Ratio | 80.91% | 79.64% | 100.01% | 93.84% | 95.70% | 97.50% | 81.41% | 91.06% | -278 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.66% | 0.54% | 1.27% | 5.72% | -9.06% | -2.89% | -15.61% | -17.24% | -2,296 bps | |
| Loan Growth (YoY) | 0.10% | -5.43% | -0.55% | -5.07% | -5.36% | -6.82% | -11.62% | -9.59% | -452 bps | |
| Share Growth (YoY) | 8.22% | 1.82% | 2.81% | 8.25% | -7.93% | 0.01% | -19.68% | -23.78% | -3,203 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.63% | 0.74% | 0.68% | 0.20% | 0.23% | 0.01% | 0.70% | 0.64% | +43 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 | 0.31% | 0.36% | 0.48% | 0.61% | 0.67% | 3.64% | -1.26% | 0.17% | -44 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.05% | 8.32% | 7.82% | 7.54% | 7.68% | 5.44% | 8.51% | 8.26% | +71 bps | |
| Net Worth / Assets | 7.05% | 8.32% | 7.82% | 7.54% | 7.68% | 5.44% | 8.51% | 8.26% | +71 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 63.35% | 70.16% | 66.99% | 65.08% | 65.12% | 65.37% | 73.70% | 77.19% | +1,212 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 99.86% | +9,986 bps | |