PackageTrendsPeer
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Altura

Riverside, CA · Charter 24969

NCUA · 24 branches

Q2 2026

$2.6BAssets
$1.8BLoans
$2.4BShares
$295.6MNet 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 0.71%, down 57 bps year over year; NIM at 3.93%.
  • Asset quality: problem loans at 0.65% of loans (+12 bps YoY).
  • Capital: net worth / assets of 11.17%, up 36 bps from a year ago.
  • Funding: loans stand at 75.05% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.71%-57 bps YoY

Net Interest Margin (quarter, annualized)

3.93%+44 bps YoY

Efficiency Ratio (quarter, annualized)

71.70%+708 bps YoY

Net Worth / Assets

11.17%+36 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.27%1.15%1.08%0.52%0.71%-57 bps
Return on Equity11.78%10.34%9.66%4.76%6.32%-547 bps
Net Interest Margin3.49%3.62%3.65%3.85%3.93%+44 bps
Efficiency Ratio64.62%66.55%68.26%72.44%71.70%+708 bps
Growth
Asset Growth (YoY)n/an/a-0.36%2.07%3.54%n/a
Loan Growth (YoY)n/an/a-0.46%0.44%3.85%n/a
Share Growth (YoY)n/an/a6.06%4.42%3.60%n/a
Asset Quality
Delinquent Loans / Loans0.52%0.51%0.61%0.50%0.65%+12 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 Capital10.82%11.11%11.14%10.87%11.17%+36 bps
Net Worth / Assets10.82%11.11%11.14%10.87%11.17%+36 bps
Liquidity & Funding
Loans / Shares74.86%75.51%74.40%72.07%75.05%+18 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps