Gardena, CA · Charter 24292
NCUA · 28 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.15% | 0.20% | 0.18% | 0.22% | 0.21% | +5 bps | |
| Return on Equity | 1.67% | 2.21% | 1.98% | 2.52% | 2.28% | +61 bps | |
| Net Interest Margin | 2.78% | 2.84% | 2.86% | 2.92% | 2.99% | +21 bps | |
| Efficiency Ratio | 85.77% | 83.33% | 83.86% | 87.55% | 86.74% | +97 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.82% | -3.96% | 6.37% | 4.25% | 3.15% | +697 bps | |
| Loan Growth (YoY) | -2.18% | -2.40% | -1.35% | -2.08% | -1.23% | +95 bps | |
| Share Growth (YoY) | 4.45% | 4.92% | 5.61% | 3.88% | 3.00% | -145 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.63% | 1.59% | 1.60% | 1.56% | 1.62% | -1 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 | 9.23% | 9.23% | 9.02% | 8.91% | 9.01% | -23 bps | |
| Net Worth / Assets | 9.23% | 9.23% | 9.02% | 8.91% | 9.01% | -23 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 58.18% | 57.43% | 57.58% | 55.32% | 55.79% | -239 bps | |
| Liquid Assets / Assets | 99.67% | 0.00% | 0.00% | 0.00% | 0.00% | -9,967 bps | |