PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Korean American Catholics

Flushing, NY · Charter 23503

NCUA · 4 branches

Q2 2026

$30.3MAssets
$24.0MLoans
$26.4MShares
$3.7MNet Worth

Executive Summary

  • Earnings: ROA of -0.03%, up 3 bps year over year; NIM at 3.51%.
  • Asset quality: problem loans at 0.00% of loans (-14 bps YoY).
  • Capital: net worth / assets of 12.20%, up 88 bps from a year ago.
  • Funding: loans stand at 91.05% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

-0.03%+3 bps YoY

Net Interest Margin (quarter, annualized)

3.51%+9 bps YoY

Efficiency Ratio (quarter, annualized)

100.82%-74 bps YoY

Net Worth / Assets

12.20%+88 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.07%-0.03%-0.23%-0.06%-0.03%0.05%-0.75%-0.03%+3 bps
Return on Equity-0.61%-0.28%-2.07%-0.51%-0.24%0.45%-6.47%-0.25%+26 bps
Net Interest Margin3.17%3.13%3.42%3.42%3.46%3.47%3.35%3.51%+9 bps
Efficiency Ratio101.96%100.89%106.22%101.57%100.75%98.59%121.05%100.82%-74 bps
Growth
Asset Growth (YoY)3.82%9.81%3.24%5.28%-4.88%-7.46%-4.47%-6.69%-1,197 bps
Loan Growth (YoY)-3.77%-0.56%-0.18%1.69%-0.46%-4.66%-5.47%-6.47%-815 bps
Share Growth (YoY)3.85%10.85%3.52%6.05%-5.75%-8.47%-4.77%-7.37%-1,342 bps
Asset Quality
Delinquent Loans / Loans0.13%0.10%0.12%0.14%0.00%0.00%0.00%0.00%-14 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.13%0.10%0.10%0.10%0.09%0.07%0.07%0.03%-7 bps
Capital
Risk-Based Capital10.95%10.69%11.14%11.31%11.51%11.60%11.59%12.20%+88 bps
Net Worth / Assets10.95%10.69%11.14%11.31%11.51%11.60%11.59%12.20%+88 bps
Liquidity & Funding
Loans / Shares85.55%85.37%89.61%90.18%90.35%88.92%88.95%91.05%+88 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps