Santa Ana, CA · Charter 24520
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 | 0.77% | 1.59% | 1.37% | 1.46% | 1.42% | 1.38% | 1.53% | 1.52% | +6 bps | |
| Return on Equity | 6.67% | 12.80% | 11.23% | 11.56% | 10.87% | 10.57% | 11.76% | 11.31% | -25 bps | |
| Net Interest Margin | 2.57% | 2.68% | 3.04% | 3.15% | 3.18% | 3.08% | 3.08% | 3.12% | -3 bps | |
| Efficiency Ratio | 74.28% | 59.14% | 64.89% | 63.19% | 63.99% | 63.55% | 61.36% | 61.10% | -209 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.34% | 2.00% | 4.22% | 3.81% | 1.32% | 6.90% | 5.20% | 4.94% | +112 bps | |
| Loan Growth (YoY) | 2.71% | 5.11% | 1.23% | 5.00% | 6.94% | 5.13% | 9.95% | 9.62% | +462 bps | |
| Share Growth (YoY) | 2.30% | 4.84% | 3.45% | 2.66% | 0.97% | 2.37% | 4.06% | 3.88% | +122 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.18% | 0.30% | 1.13% | 0.01% | 0.05% | 0.00% | 0.00% | 0.06% | +5 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 | 11.57% | 12.46% | 12.21% | 12.66% | 13.08% | 13.02% | 12.99% | 13.47% | +81 bps | |
| Net Worth / Assets | 11.57% | 12.46% | 12.21% | 12.66% | 13.08% | 13.02% | 12.99% | 13.47% | +81 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.57% | 66.44% | 65.00% | 66.86% | 68.38% | 68.23% | 68.68% | 70.56% | +369 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |