PackageTrendsPeer
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Popa

Cerritos, CA · Charter 23004

NCUA · 4 branches

Q2 2026

$404.5MAssets
$246.4MLoans
$358.2MShares
$48.0MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.17%, up 34 bps year over year; NIM at 4.30%.
  • Asset quality: problem loans at 0.79% of loans (+42 bps YoY).
  • Capital: net worth / assets of 11.86%, up 69 bps from a year ago.
  • Funding: loans stand at 68.77% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.17%+34 bps YoY

Net Interest Margin (YTD, annualized)

4.30%+21 bps YoY

Efficiency Ratio (YTD, annualized)

70.68%-305 bps YoY

Net Worth / Assets

11.86%+69 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.83%1.23%1.12%0.93%1.17%+34 bps
Return on Equity7.44%10.85%9.62%8.02%9.90%+246 bps
Net Interest Margin4.09%4.11%4.20%4.29%4.30%+21 bps
Efficiency Ratio73.73%72.80%74.70%72.31%70.68%-305 bps
Growth
Asset Growth (YoY)0.75%4.41%6.90%4.29%4.06%+330 bps
Loan Growth (YoY)-7.45%-6.93%-5.96%-2.35%-0.54%+691 bps
Share Growth (YoY)7.55%8.25%5.22%2.69%2.24%-531 bps
Asset Quality
Delinquent Loans / Loans0.36%0.41%0.35%0.24%0.79%+42 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.17%11.37%11.67%11.65%11.86%+69 bps
Net Worth / Assets11.17%11.37%11.67%11.65%11.86%+69 bps
Liquidity & Funding
Loans / Shares70.69%69.36%69.82%68.69%68.77%-192 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps