PackageTrendsPeer
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California Adventist

Glendale, CA · Charter 24238

NCUA · 1 branch

Q2 2026

$44.7MAssets
$27.0MLoans
$35.5MShares
$9.0MNet Worth

Executive Summary

  • Earnings: ROA of 0.92%, up 12 bps year over year; NIM at 2.99%.
  • Asset quality: problem loans at 0.04% of loans (+3 bps YoY).
  • Capital: net worth / assets of 20.11%, up 198 bps from a year ago.
  • Funding: loans stand at 75.97% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.92%+12 bps YoY

Net Interest Margin (YTD, annualized)

2.99%+17 bps YoY

Efficiency Ratio (YTD, annualized)

72.96%-77 bps YoY

Net Worth / Assets

20.11%+198 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.72%-0.07%0.90%0.80%0.84%0.73%0.95%0.92%+12 bps
Return on Equity-3.75%-0.37%4.82%4.40%4.50%3.87%4.92%4.57%+17 bps
Net Interest Margin3.36%3.26%2.94%2.82%2.92%2.95%2.92%2.99%+17 bps
Efficiency Ratio144.27%103.03%71.65%73.72%73.22%76.91%72.74%72.96%-77 bps
Growth
Asset Growth (YoY)-5.44%1.23%4.49%9.02%8.77%4.75%-0.22%-6.64%-1,565 bps
Loan Growth (YoY)2.66%2.27%-4.00%-4.73%-4.78%-5.13%-2.67%-7.37%-264 bps
Share Growth (YoY)-8.13%-0.08%3.55%9.17%8.96%4.53%-1.35%-8.70%-1,787 bps
Asset Quality
Delinquent Loans / Loans0.00%0.05%0.00%0.01%0.04%0.01%0.00%0.04%+3 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital19.12%18.99%18.62%18.13%18.64%18.87%19.31%20.11%+198 bps
Net Worth / Assets19.12%18.99%18.62%18.13%18.64%18.87%19.31%20.11%+198 bps
Liquidity & Funding
Loans / Shares86.28%82.91%77.61%74.88%75.40%75.25%76.58%75.97%+109 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps