PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Union Yes

Orange, CA · Charter 24131

NCUA · 1 branch

Q2 2026

$89.0MAssets
$39.0MLoans
$80.0MShares
$7.7MNet 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 1.20%, down 35 bps year over year; NIM at 4.00%.
  • Asset quality: problem loans at 0.00% of loans (-8 bps YoY).
  • Capital: net worth / assets of 8.62%, up 22 bps from a year ago.
  • Funding: loans stand at 48.69% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.20%-35 bps YoY

Net Interest Margin (YTD, annualized)

4.00%-25 bps YoY

Efficiency Ratio (YTD, annualized)

74.98%+510 bps YoY

Net Worth / Assets

8.62%+22 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.55%1.26%1.48%0.65%1.20%-35 bps
Return on Equity18.46%17.29%17.00%8.54%13.90%-456 bps
Net Interest Margin4.25%3.59%4.18%3.52%4.00%-25 bps
Efficiency Ratio69.88%70.49%70.57%84.00%74.98%+510 bps
Growth
Asset Growth (YoY)7.41%9.92%13.31%6.77%11.00%+359 bps
Loan Growth (YoY)-1.31%0.02%-3.74%-4.76%-6.99%-568 bps
Share Growth (YoY)8.15%9.84%13.90%6.54%10.75%+260 bps
Asset Quality
Delinquent Loans / Loans0.08%0.03%0.00%0.09%0.00%-8 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 Capital8.40%7.29%8.70%7.63%8.62%+22 bps
Net Worth / Assets8.40%7.29%8.70%7.63%8.62%+22 bps
Liquidity & Funding
Loans / Shares57.98%48.45%54.28%45.03%48.69%-929 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps