Long Beach, CA · Charter 5530
NCUA · 3 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 | 1.44% | 1.39% | 1.34% | 0.82% | 0.69% | -76 bps | |
| Return on Equity | 6.69% | 6.29% | 6.13% | 3.77% | 3.26% | -343 bps | |
| Net Interest Margin | 4.80% | 4.95% | 4.83% | 4.62% | 4.44% | -37 bps | |
| Efficiency Ratio | 74.49% | 74.42% | 74.26% | 82.00% | 83.11% | +862 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.91% | 4.35% | 8.30% | 6.10% | 2.93% | -399 bps | |
| Loan Growth (YoY) | 6.22% | 11.01% | 4.34% | 5.31% | 7.99% | +177 bps | |
| Share Growth (YoY) | 4.79% | 2.68% | 6.40% | 5.64% | 3.41% | -138 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.02% | 0.30% | 0.36% | 0.35% | 0.07% | +5 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 | 21.55% | 22.15% | 21.82% | 21.64% | 21.05% | -50 bps | |
| Net Worth / Assets | 21.55% | 22.15% | 21.82% | 21.64% | 21.05% | -50 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 76.42% | 81.86% | 75.79% | 75.79% | 79.81% | +338 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |