Riverside, CA · Charter 24969
NCUA · 24 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|
| Earnings | |||||||||
| Return on Assets | 0.74% | 0.51% | 1.27% | 1.15% | 1.08% | 0.52% | 0.71% | -57 bps | |
| Return on Equity | 7.32% | 5.09% | 11.78% | 10.34% | 9.66% | 4.76% | 6.32% | -547 bps | |
| Net Interest Margin | 3.14% | 3.31% | 3.49% | 3.62% | 3.65% | 3.85% | 3.93% | +44 bps | |
| Efficiency Ratio | 73.85% | 71.65% | 64.62% | 66.55% | 68.26% | 72.44% | 71.70% | +708 bps | |
| Growth | |||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | -0.36% | 2.07% | 3.54% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | -0.46% | 0.44% | 3.85% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | 6.06% | 4.42% | 3.60% | n/a | |
| Asset Quality | |||||||||
| Delinquent Loans / Loans | 0.48% | 0.36% | 0.52% | 0.51% | 0.61% | 0.50% | 0.65% | +12 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||||
| Risk-Based Capital | 10.08% | 10.09% | 10.82% | 11.11% | 11.14% | 10.87% | 11.17% | +36 bps | |
| Net Worth / Assets | 10.08% | 10.09% | 10.82% | 11.11% | 11.14% | 10.87% | 11.17% | +36 bps | |
| Liquidity & Funding | |||||||||
| Loans / Shares | 79.28% | 74.93% | 74.86% | 75.51% | 74.40% | 72.07% | 75.05% | +18 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |