Rancho Cucamong, CA · Charter 24973
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 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.53% | 1.43% | 1.40% | 1.32% | 1.13% | 0.87% | -56 bps | |
| Return on Equity | 13.47% | 12.19% | 11.85% | 11.53% | 10.04% | 7.66% | -453 bps | |
| Net Interest Margin | 4.48% | 4.60% | 4.52% | 4.30% | 4.12% | 4.13% | -47 bps | |
| Efficiency Ratio | 65.70% | 66.24% | 66.77% | 67.00% | 69.24% | 70.76% | +452 bps | |
| Growth | ||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | 12.11% | 13.27% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | 1.65% | 1.83% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | 6.99% | 7.98% | n/a | |
| Asset Quality | ||||||||
| Delinquent Loans / Loans | 0.67% | 0.66% | 0.78% | 1.00% | 0.85% | 0.90% | +23 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | ||||||||
| Risk-Based Capital | 11.36% | 11.73% | 11.79% | 11.44% | 11.28% | 11.36% | -38 bps | |
| Net Worth / Assets | 11.36% | 11.73% | 11.79% | 11.44% | 11.28% | 11.36% | -38 bps | |
| Liquidity & Funding | ||||||||
| Loans / Shares | 62.59% | 63.41% | 62.62% | 61.94% | 59.47% | 59.80% | -361 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |