Valencia, CA · Charter 1999
NCUA · 19 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 | 0.88% | 0.90% | 0.89% | 0.92% | 0.92% | +4 bps | |
| Return on Equity | 5.88% | 6.01% | 5.85% | 5.96% | 5.84% | -4 bps | |
| Net Interest Margin | 2.53% | 2.54% | 2.59% | 2.70% | 2.75% | +23 bps | |
| Efficiency Ratio | 61.26% | 61.10% | 61.49% | 61.87% | 62.05% | +79 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.44% | -1.76% | -0.66% | 1.11% | 1.07% | +351 bps | |
| Loan Growth (YoY) | -0.01% | 0.84% | 0.95% | 0.85% | 0.93% | +94 bps | |
| Share Growth (YoY) | 3.44% | 3.74% | 3.24% | 3.65% | 3.56% | +12 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.81% | 0.96% | 0.88% | 0.73% | 1.08% | +27 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 | 14.91% | 14.93% | 15.25% | 15.40% | 15.67% | +76 bps | |
| Net Worth / Assets | 14.91% | 14.93% | 15.25% | 15.40% | 15.67% | +76 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 97.93% | 97.09% | 96.29% | 94.27% | 95.44% | -249 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |