PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Comunidad Latina

Santa Ana, CA · Charter 24776

NCUA · 1 branch

Q2 2026

$11.0MAssets
$6.5MLoans
$8.1MShares
$2.9MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 2.27%, down 115 bps year over year; NIM at 5.85%.
  • Asset quality: problem loans at 0.99% of loans (+45 bps YoY).
  • Capital: net worth / assets of 26.19%, up 87 bps from a year ago.
  • Funding: loans stand at 79.87% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.27%-115 bps YoY

Net Interest Margin (YTD, annualized)

5.85%-27 bps YoY

Efficiency Ratio (YTD, annualized)

57.99%+852 bps YoY

Net Worth / Assets

26.19%+87 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets3.42%3.29%2.94%0.82%2.27%-115 bps
Return on Equity13.53%13.34%11.81%3.27%8.67%-485 bps
Net Interest Margin6.12%5.80%5.76%5.68%5.85%-27 bps
Efficiency Ratio49.47%46.47%50.03%62.46%57.99%+852 bps
Growth
Asset Growth (YoY)13.81%21.46%14.50%14.82%6.87%-694 bps
Loan Growth (YoY)-3.81%-1.03%-4.35%0.48%3.58%+739 bps
Share Growth (YoY)14.08%23.77%14.83%15.68%5.55%-853 bps
Asset Quality
Delinquent Loans / Loans0.54%1.51%0.46%0.04%0.99%+45 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital25.32%24.64%24.90%25.10%26.19%+87 bps
Net Worth / Assets25.32%24.64%24.90%25.10%26.19%+87 bps
Liquidity & Funding
Loans / Shares81.38%76.26%75.86%75.95%79.87%-151 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps