Santa Ana, CA · Charter 24212
NCUA · 75 branches
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 | 0.50% | 0.52% | 0.54% | 0.58% | 0.71% | 0.68% | 0.78% | 0.87% | +29 bps | |
| Return on Equity | 5.03% | 5.24% | 5.61% | 6.09% | 7.37% | 7.16% | 8.33% | 9.20% | +311 bps | |
| Net Interest Margin | 2.47% | 2.48% | 2.61% | 2.63% | 2.70% | 2.69% | 2.82% | 2.84% | +21 bps | |
| Efficiency Ratio | 63.16% | 62.36% | 59.85% | 58.85% | 57.54% | 57.10% | 56.33% | 55.22% | -363 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.00% | 9.25% | 9.20% | 10.33% | 10.69% | 10.80% | 9.93% | 9.22% | -110 bps | |
| Loan Growth (YoY) | 6.33% | 5.76% | 5.97% | 7.11% | 8.47% | 9.14% | 9.64% | 10.08% | +297 bps | |
| Share Growth (YoY) | 7.77% | 11.61% | 11.40% | 12.59% | 13.28% | 13.08% | 11.94% | 10.97% | -163 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.83% | 0.87% | 0.78% | 0.78% | 0.88% | 0.97% | 0.89% | 0.91% | +13 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 | 10.01% | 9.86% | 9.55% | 9.52% | 9.68% | 9.54% | 9.39% | 9.51% | -2 bps | |
| Net Worth / Assets | 10.01% | 9.86% | 9.55% | 9.52% | 9.68% | 9.54% | 9.39% | 9.51% | -2 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.66% | 75.15% | 72.18% | 72.58% | 73.41% | 72.53% | 70.70% | 72.00% | -58 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |