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Rancho Cucamong, CA · Charter 24973

NCUA · 24 branches

Q2 2026

$2.9BAssets
$1.4BLoans
$2.4BShares
$332.2MNet 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 0.87%, down 56 bps year over year; NIM at 4.13%.
  • Asset quality: problem loans at 0.90% of loans (+23 bps YoY).
  • Capital: net worth / assets of 11.36%, down 38 bps from a year ago.
  • Funding: loans stand at 59.80% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.87%-56 bps YoY

Net Interest Margin (YTD, annualized)

4.13%-47 bps YoY

Efficiency Ratio (YTD, annualized)

70.76%+452 bps YoY

Net Worth / Assets

11.36%-38 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.43%1.40%1.32%1.13%0.87%-56 bps
Return on Equity12.19%11.85%11.53%10.04%7.66%-453 bps
Net Interest Margin4.60%4.52%4.30%4.12%4.13%-47 bps
Efficiency Ratio66.24%66.77%67.00%69.24%70.76%+452 bps
Growth
Asset Growth (YoY)n/an/an/a12.11%13.27%n/a
Loan Growth (YoY)n/an/an/a1.65%1.83%n/a
Share Growth (YoY)n/an/an/a6.99%7.98%n/a
Asset Quality
Delinquent Loans / Loans0.66%0.78%1.00%0.85%0.90%+23 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 Capital11.73%11.79%11.44%11.28%11.36%-38 bps
Net Worth / Assets11.73%11.79%11.44%11.28%11.36%-38 bps
Liquidity & Funding
Loans / Shares63.41%62.62%61.94%59.47%59.80%-361 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps