PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

VA Desert Pacific

Long Beach, CA · Charter 5530

NCUA · 3 branches

Q2 2026

$98.8MAssets
$62.4MLoans
$78.1MShares
$20.8MNet Worth

Executive Summary

  • Earnings: ROA of 0.69%, down 76 bps year over year; NIM at 4.44%.
  • Asset quality: problem loans at 0.07% of loans (+5 bps YoY).
  • Capital: net worth / assets of 21.05%, down 50 bps from a year ago.
  • Funding: loans stand at 79.81% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

0.69%-76 bps YoY

Net Interest Margin (quarter, annualized)

4.44%-37 bps YoY

Efficiency Ratio (quarter, annualized)

83.11%+862 bps YoY

Net Worth / Assets

21.05%-50 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.28%1.32%1.70%1.44%1.39%1.34%0.82%0.69%-76 bps
Return on Equity5.90%5.92%7.78%6.69%6.29%6.13%3.77%3.26%-343 bps
Net Interest Margin4.83%4.96%4.90%4.80%4.95%4.83%4.62%4.44%-37 bps
Efficiency Ratio72.96%72.57%72.61%74.49%74.42%74.26%82.00%83.11%+862 bps
Growth
Asset Growth (YoY)2.62%1.49%4.15%6.91%4.35%8.30%6.10%2.93%-399 bps
Loan Growth (YoY)2.66%4.34%7.28%6.22%11.01%4.34%5.31%7.99%+177 bps
Share Growth (YoY)-0.88%0.03%2.08%4.79%2.68%6.40%5.64%3.41%-138 bps
Asset Quality
Delinquent Loans / Loans0.07%0.23%0.07%0.02%0.30%0.36%0.35%0.07%+5 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital21.71%22.27%21.80%21.55%22.15%21.82%21.64%21.05%-50 bps
Net Worth / Assets21.71%22.27%21.80%21.55%22.15%21.82%21.64%21.05%-50 bps
Liquidity & Funding
Loans / Shares75.72%77.29%76.02%76.42%81.86%75.79%75.79%79.81%+338 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps