Cerritos, CA · Charter 23004
NCUA · 4 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 | 0.35% | 0.44% | 0.69% | 0.83% | 1.23% | 1.12% | 0.93% | 1.17% | +34 bps | |
| Return on Equity | 3.21% | 3.86% | 6.18% | 7.44% | 10.85% | 9.62% | 8.02% | 9.90% | +246 bps | |
| Net Interest Margin | 4.01% | 4.15% | 4.05% | 4.09% | 4.11% | 4.20% | 4.29% | 4.30% | +21 bps | |
| Efficiency Ratio | 68.91% | 71.46% | 77.80% | 73.73% | 72.80% | 74.70% | 72.31% | 70.68% | -305 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.85% | -3.33% | -0.64% | 0.75% | 4.41% | 6.90% | 4.29% | 4.06% | +330 bps | |
| Loan Growth (YoY) | -5.60% | -6.89% | -7.56% | -7.45% | -6.93% | -5.96% | -2.35% | -0.54% | +691 bps | |
| Share Growth (YoY) | -0.26% | 3.49% | 5.95% | 7.55% | 8.25% | 5.22% | 2.69% | 2.24% | -531 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.45% | 0.50% | 0.33% | 0.36% | 0.41% | 0.35% | 0.24% | 0.79% | +42 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 | 10.90% | 11.44% | 11.08% | 11.17% | 11.37% | 11.67% | 11.65% | 11.86% | +69 bps | |
| Net Worth / Assets | 10.90% | 11.44% | 11.08% | 11.17% | 11.37% | 11.67% | 11.65% | 11.86% | +69 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.68% | 78.12% | 72.23% | 70.69% | 69.36% | 69.82% | 68.69% | 68.77% | -192 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |