Santa Ana, CA · Charter 24776
NCUA · 1 branch
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 | 3.42% | 3.29% | 2.94% | 0.82% | 2.27% | -115 bps | |
| Return on Equity | 13.53% | 13.34% | 11.81% | 3.27% | 8.67% | -485 bps | |
| Net Interest Margin | 6.12% | 5.80% | 5.76% | 5.68% | 5.85% | -27 bps | |
| Efficiency Ratio | 49.47% | 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 / Loans | 0.54% | 1.51% | 0.46% | 0.04% | 0.99% | +45 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 | 25.32% | 24.64% | 24.90% | 25.10% | 26.19% | +87 bps | |
| Net Worth / Assets | 25.32% | 24.64% | 24.90% | 25.10% | 26.19% | +87 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 81.38% | 76.26% | 75.86% | 75.95% | 79.87% | -151 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |