West Covina, CA · Cert 30722 · Universal Financial Inc.
State savings bank · OCC · 5 branches
Q2 2026
Market Position · Los Angeles-Long Beach-Anaheim, CA · 2026 SOD (annual) · 0.0% share · #77 of 107 inst. · $0.3B of $667.8B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.45% | 0.35% | 0.02% | 0.25% | 0.33% | 0.39% | 0.38% | 0.36% | +10 bps | |
| Return on Equity | 2.58% | 2.00% | 0.10% | 1.40% | 1.83% | 2.12% | 2.11% | 2.01% | +61 bps | |
| Net Interest Margin | 2.53% | 2.62% | 2.66% | 2.73% | 2.79% | 2.82% | 2.75% | 2.74% | +1 bps | |
| Efficiency Ratio | 86.70% | 89.62% | 100.82% | 96.08% | 93.95% | 90.25% | 82.51% | 83.38% | -1,269 bps | |
| Non-Interest Burden | 2.12% | 2.30% | 2.68% | 2.61% | 2.61% | 2.52% | 2.23% | 2.25% | -36 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.43% | -3.86% | -2.23% | -6.06% | -0.09% | 4.16% | 1.93% | 7.50% | +1,355 bps | |
| Loan Growth (YoY) | -2.86% | -2.54% | -4.37% | 1.48% | 1.97% | -2.60% | -4.73% | -6.72% | -820 bps | |
| Deposit Growth (YoY) | -2.97% | -5.09% | -2.95% | -0.77% | 8.36% | 13.87% | 10.65% | 3.38% | +415 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.53% | 0.00% | 0.73% | 3.60% | 3.56% | 3.57% | 3.69% | 3.74% | +14 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.02% | -0.01% | -0.01% | -0.01% | -0.02% | -0.02% | -0.02% | 0 bps | |
| Allowance / Loans | 1.23% | 1.25% | 1.27% | 1.10% | 1.00% | 1.02% | 1.08% | 1.08% | -2 bps | |
| Allowance Coverage of NPLs | 2.3x | n/a | 1.7x | 0.3x | 0.3x | 0.3x | 0.3x | 0.3x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 17.58% | 18.34% | 18.33% | 18.30% | 18.39% | 18.21% | 18.21% | 17.80% | -50 bps | |
| Total Risk-Based Capital | 17.58% | 18.34% | 18.33% | 18.30% | 18.39% | 18.21% | 18.21% | 17.80% | -50 bps | |
| Equity / Assets | 18.32% | 18.31% | 17.91% | 18.24% | 18.44% | 18.09% | 17.90% | 17.21% | -103 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 111.53% | 112.94% | 107.02% | 105.39% | 104.95% | 96.61% | 92.15% | 95.08% | -1,030 bps | |
| Liquid Assets / Assets | 2.22% | 3.32% | 7.88% | 4.93% | 2.10% | 4.19% | 2.50% | 2.95% | -198 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 397% | 377% | 362% | n/a | n/a | |