Manhattan Beach, CA · Charter 4142
NCUA · 25 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.31% | 0.36% | 0.33% | 0.33% | 0.33% | +2 bps | |
| Return on Equity | 3.48% | 4.01% | 3.78% | 3.67% | 3.74% | +27 bps | |
| Net Interest Margin | 2.53% | 2.50% | 2.49% | 2.50% | 2.42% | -11 bps | |
| Efficiency Ratio | 78.95% | 77.95% | 78.12% | 78.61% | 78.06% | -89 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.21% | -3.42% | -2.01% | -1.86% | 5.13% | +1,034 bps | |
| Loan Growth (YoY) | -5.69% | -6.46% | -7.03% | -6.72% | -2.09% | +360 bps | |
| Share Growth (YoY) | 9.05% | 16.65% | 12.67% | 8.75% | 4.97% | -409 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.37% | 0.45% | 0.42% | 0.42% | 0.46% | +9 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.85% | 8.86% | 8.85% | 9.04% | 8.68% | -17 bps | |
| Net Worth / Assets | 8.85% | 8.86% | 8.85% | 9.04% | 8.68% | -17 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 101.38% | 95.27% | 92.89% | 90.68% | 94.57% | -681 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |