San Diego, CA · Charter 24110
NCUA · 3 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.40% | 0.48% | 0.28% | 0.47% | 0.55% | +15 bps | |
| Return on Equity | 5.11% | 6.10% | 3.74% | 6.24% | 7.19% | +208 bps | |
| Net Interest Margin | 1.94% | 1.85% | 1.75% | 1.60% | 1.55% | -39 bps | |
| Efficiency Ratio | 79.66% | 79.24% | 84.43% | 83.06% | 82.13% | +247 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 13.53% | 11.29% | 11.86% | 6.37% | 5.96% | -757 bps | |
| Loan Growth (YoY) | -3.18% | -2.31% | -0.88% | -1.75% | -1.15% | +203 bps | |
| Share Growth (YoY) | 10.25% | 8.83% | 8.97% | 6.15% | 5.96% | -429 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.19% | 0.17% | 0.04% | 0.10% | 0.26% | +7 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 | 7.82% | 7.86% | 7.58% | 7.56% | 7.68% | -14 bps | |
| Net Worth / Assets | 7.82% | 7.86% | 7.58% | 7.56% | 7.68% | -14 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 48.83% | 47.85% | 46.79% | 45.92% | 45.55% | -328 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |