Valencia, CA · Charter 4393
NCUA · 1 branch
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 | 1.70% | 1.72% | 1.81% | 1.30% | 2.08% | +38 bps | |
| Return on Equity | 5.73% | 5.59% | 5.68% | 4.07% | 6.19% | +47 bps | |
| Net Interest Margin | 4.67% | 4.81% | 4.94% | 4.53% | 4.73% | +6 bps | |
| Efficiency Ratio | 58.45% | 58.11% | 57.09% | 63.33% | 57.54% | -91 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.90% | -8.15% | -1.03% | -2.22% | -6.99% | -9 bps | |
| Loan Growth (YoY) | -15.39% | -23.23% | -28.31% | -29.16% | -31.24% | -1,585 bps | |
| Share Growth (YoY) | -11.78% | -13.00% | -4.04% | -5.88% | -12.18% | -40 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.69% | 0.04% | 0.06% | 0.00% | 0.00% | -169 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.10% | 3.80% | 4.48% | 5.11% | 6.14% | +305 bps | |
| Capital | |||||||
| Risk-Based Capital | 29.70% | 30.76% | 31.85% | 31.87% | 33.64% | +395 bps | |
| Net Worth / Assets | 29.70% | 30.76% | 31.85% | 31.87% | 33.64% | +395 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 47.92% | 43.17% | 40.98% | 38.94% | 37.52% | -1,040 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |