PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Gain

Burbank, CA · Charter 3943

NCUA · 2 branches

Q2 2026

$454.0MAssets
$241.8MLoans
$424.1MShares
$36.9MNet 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 0.09%, unchanged from a year ago; NIM at 2.62%.
  • Asset quality: problem loans at 0.44% of loans (+7 bps YoY).
  • Capital: net worth / assets of 8.14%, down 44 bps from a year ago.
  • Funding: loans stand at 57.00% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.09%0 bps YoY

Net Interest Margin (YTD, annualized)

2.62%+28 bps YoY

Efficiency Ratio (YTD, annualized)

93.74%-163 bps YoY

Net Worth / Assets

8.14%-44 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.09%0.07%-0.07%0.07%0.09%0 bps
Return on Equity1.01%0.75%-0.88%0.84%1.05%+4 bps
Net Interest Margin2.35%2.44%2.39%2.65%2.62%+28 bps
Efficiency Ratio95.37%95.09%97.64%93.81%93.74%-163 bps
Growth
Asset Growth (YoY)1.46%-1.99%2.18%-0.12%3.58%+212 bps
Loan Growth (YoY)-7.59%-5.84%0.65%1.82%2.56%+1,014 bps
Share Growth (YoY)0.20%-1.68%2.46%0.16%4.61%+440 bps
Asset Quality
Delinquent Loans / Loans0.36%0.33%0.31%0.35%0.44%+7 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 Capital8.57%8.77%8.31%8.38%8.14%-44 bps
Net Worth / Assets8.57%8.77%8.31%8.38%8.14%-44 bps
Liquidity & Funding
Loans / Shares58.14%59.13%59.76%59.51%57.00%-114 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps