Orange, CA · Charter 24131
NCUA · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.14% | 1.37% | 1.03% | 1.55% | 1.26% | 1.48% | 0.65% | 1.20% | -35 bps | |
| Return on Equity | 16.72% | 16.34% | 14.67% | 18.46% | 17.29% | 17.00% | 8.54% | 13.90% | -456 bps | |
| Net Interest Margin | 3.57% | 4.34% | 3.44% | 4.25% | 3.59% | 4.18% | 3.52% | 4.00% | -25 bps | |
| Efficiency Ratio | 72.23% | 72.11% | 74.90% | 69.88% | 70.49% | 70.57% | 84.00% | 74.98% | +510 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.89% | -5.26% | 5.13% | 7.41% | 9.92% | 13.31% | 6.77% | 11.00% | +359 bps | |
| Loan Growth (YoY) | 1.62% | 1.55% | 0.38% | -1.31% | 0.02% | -3.74% | -4.76% | -6.99% | -568 bps | |
| Share Growth (YoY) | -4.10% | -2.47% | 4.34% | 8.15% | 9.84% | 13.90% | 6.54% | 10.75% | +260 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.11% | 0.02% | 0.03% | 0.08% | 0.03% | 0.00% | 0.09% | 0.00% | -8 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 | 6.84% | 8.39% | 7.05% | 8.40% | 7.29% | 8.70% | 7.63% | 8.62% | +22 bps | |
| Net Worth / Assets | 6.84% | 8.39% | 7.05% | 8.40% | 7.29% | 8.70% | 7.63% | 8.62% | +22 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 53.20% | 64.23% | 50.37% | 57.98% | 48.45% | 54.28% | 45.03% | 48.69% | -929 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |