PackageTrendsPeer
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Altaone

Ridgecrest, CA · Charter 5612

NCUA · 12 branches

Q2 2026

$967.2MAssets
$761.0MLoans
$872.2MShares
$88.9MNet 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 0.17%, down 5 bps year over year; NIM at 3.52%.
  • Asset quality: problem loans at 0.70% of loans (-6 bps YoY).
  • Capital: net worth / assets of 9.19%, down 16 bps from a year ago.
  • Funding: loans stand at 87.24% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.17%-5 bps YoY

Net Interest Margin (YTD, annualized)

3.52%+18 bps YoY

Efficiency Ratio (YTD, annualized)

80.11%-243 bps YoY

Net Worth / Assets

9.19%-16 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.22%0.17%0.17%0.08%0.17%-5 bps
Return on Equity2.32%1.84%1.87%0.94%1.81%-51 bps
Net Interest Margin3.34%3.41%3.47%3.46%3.52%+18 bps
Efficiency Ratio82.53%84.56%84.39%79.09%80.11%-243 bps
Growth
Asset Growth (YoY)12.64%3.25%3.14%2.98%1.62%-1,103 bps
Loan Growth (YoY)13.64%9.56%6.70%0.87%1.81%-1,183 bps
Share Growth (YoY)14.10%3.42%2.80%2.91%1.32%-1,279 bps
Asset Quality
Delinquent Loans / Loans0.77%0.81%0.76%0.59%0.70%-6 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 Capital9.35%9.27%9.16%9.07%9.19%-16 bps
Net Worth / Assets9.35%9.27%9.16%9.07%9.19%-16 bps
Liquidity & Funding
Loans / Shares86.82%87.60%87.22%85.98%87.24%+42 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps