Pasadena, CA · Charter 24875
NCUA · 7 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 | -0.13% | -0.11% | -0.30% | -0.01% | 0.24% | +38 bps | |
| Return on Equity | -1.86% | -1.59% | -4.32% | -0.18% | 3.48% | +534 bps | |
| Net Interest Margin | 2.99% | 3.04% | 3.10% | 3.20% | 3.25% | +25 bps | |
| Efficiency Ratio | 92.39% | 91.74% | 96.54% | 91.16% | 85.59% | -680 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.28% | -2.82% | -1.20% | -1.54% | -0.41% | +87 bps | |
| Loan Growth (YoY) | -1.54% | -1.59% | -1.13% | -0.58% | -0.63% | +91 bps | |
| Share Growth (YoY) | 4.67% | 5.39% | 4.70% | 1.85% | 1.36% | -330 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.48% | 0.53% | 0.64% | 0.48% | 0.66% | +18 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 | 7.15% | 7.15% | 6.92% | 6.90% | 7.01% | -14 bps | |
| Net Worth / Assets | 7.15% | 7.15% | 6.92% | 6.90% | 7.01% | -14 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 55.95% | 56.04% | 56.32% | 54.86% | 54.85% | -110 bps | |
| Liquid Assets / Assets | 0.00% | 99.47% | 0.00% | 0.00% | 99.56% | +9,956 bps | |