Torrance, CA · Charter 3526
NCUA · 2 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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.25% | 0.23% | 0.53% | 0.50% | 0.55% | 0.52% | 0.48% | 0.47% | -2 bps | |
| Return on Equity | 2.04% | 1.89% | 4.44% | 4.20% | 4.61% | 4.34% | 3.98% | 3.98% | -22 bps | |
| Net Interest Margin | 3.07% | 3.09% | 3.16% | 3.18% | 3.23% | 3.30% | 3.47% | 3.44% | +27 bps | |
| Efficiency Ratio | 86.81% | 86.13% | 81.17% | 84.76% | 81.69% | 81.38% | 78.20% | 80.75% | -401 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.47% | 1.85% | 2.82% | 5.28% | 6.95% | 6.18% | 3.42% | 3.95% | -132 bps | |
| Loan Growth (YoY) | -3.04% | 0.10% | 1.37% | -1.64% | -1.62% | -1.88% | 0.56% | 7.04% | +868 bps | |
| Share Growth (YoY) | -0.49% | 2.29% | 3.42% | 5.98% | 6.63% | 6.38% | 3.44% | 3.73% | -225 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.32% | 0.30% | 0.39% | 0.35% | 0.34% | 0.38% | 0.45% | 0.48% | +13 bps | |
| Net Charge-Offs / Loans | n/a | 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% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.25% | 12.22% | 11.86% | 11.85% | 11.92% | 12.03% | 11.97% | 11.91% | +5 bps | |
| Net Worth / Assets | 12.25% | 12.22% | 11.86% | 11.85% | 11.92% | 12.03% | 11.97% | 11.91% | +5 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 58.08% | 58.24% | 55.29% | 53.21% | 53.59% | 53.72% | 53.75% | 54.90% | +170 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |