Los Angeles, CA · Charter 19739
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 | -0.54% | -0.27% | -0.39% | -0.25% | -0.34% | -0.13% | -0.73% | -0.91% | -67 bps | |
| Return on Equity | -5.31% | -2.56% | -3.80% | -2.42% | -3.33% | -1.27% | -7.20% | -9.27% | -685 bps | |
| Net Interest Margin | 1.30% | 1.37% | 1.58% | 1.70% | 1.77% | 1.83% | 2.19% | 2.44% | +74 bps | |
| Efficiency Ratio | 133.13% | 130.56% | 120.56% | 112.07% | 115.88% | 110.52% | 115.09% | 127.93% | +1,586 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.65% | -0.43% | -0.70% | -0.63% | 0.51% | 2.23% | 0.27% | -0.43% | +20 bps | |
| Loan Growth (YoY) | 5.70% | 4.52% | 1.69% | 0.71% | -3.43% | -3.43% | -10.01% | -8.26% | -897 bps | |
| Share Growth (YoY) | -0.19% | -3.01% | -1.61% | -1.64% | -0.49% | 2.63% | 1.58% | 0.70% | +234 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.12% | 2.29% | 0.38% | 4.26% | 1.31% | 1.27% | 0.00% | 0.00% | -426 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 | 10.26% | 10.57% | 10.34% | 10.28% | 10.10% | 10.21% | 10.09% | 9.86% | -42 bps | |
| Net Worth / Assets | 10.26% | 10.57% | 10.34% | 10.28% | 10.10% | 10.21% | 10.09% | 9.86% | -42 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 58.91% | 60.05% | 60.16% | 59.73% | 57.17% | 56.51% | 53.29% | 54.42% | -531 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |