PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Orange County's

Santa Ana, CA · Charter 24981

Q2 2026

$3.1BAssets
$2.4BLoans
$2.6BShares
$328.4MNet 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 1.31%; NIM at 3.31%.
  • Asset quality: problem loans at 0.65% of loans.
  • Capital: net worth / assets of 10.66%.
  • Funding: loans stand at 94.64% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.31%

Net Interest Margin (YTD, annualized)

3.31%

Efficiency Ratio (YTD, annualized)

59.26%

Net Worth / Assets

10.66%

Year to date, annualized, through each quarter.

MetricQ4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.93%1.08%1.31%n/a
Return on Equity8.94%10.45%12.31%n/a
Net Interest Margin3.01%3.35%3.31%n/a
Efficiency Ratio66.31%61.63%59.26%n/a
Growth
Asset Growth (YoY)n/an/an/an/an/a
Loan Growth (YoY)n/an/an/an/an/a
Share Growth (YoY)n/an/an/an/an/a
Asset Quality
Delinquent Loans / Loans0.64%0.53%0.65%n/a
Net Charge-Offs / Loansn/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%n/a
Capital
Risk-Based Capital10.38%10.29%10.66%n/a
Net Worth / Assets10.38%10.29%10.66%n/a
Liquidity & Funding
Loans / Shares93.82%92.62%94.64%n/a
Liquid Assets / Assets0.00%0.00%0.00%n/a