Huntington Beac, CA · Charter 566
NCUA · 36 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.28% | 0.30% | 0.52% | 0.75% | 0.77% | 0.79% | 0.76% | 0.82% | +7 bps | |
| Return on Equity | 2.56% | 2.62% | 4.67% | 6.54% | 6.72% | 6.77% | 6.43% | 6.81% | +27 bps | |
| Net Interest Margin | 3.08% | 3.33% | 3.42% | 3.60% | 3.59% | 3.63% | 3.73% | 3.68% | +8 bps | |
| Efficiency Ratio | 80.61% | 81.03% | 75.55% | 72.25% | 71.57% | 71.33% | 71.93% | 72.72% | +47 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.05% | -1.03% | 16.93% | 11.98% | 13.26% | 18.48% | 1.39% | 2.95% | -903 bps | |
| Loan Growth (YoY) | 5.47% | 5.33% | 19.58% | 15.17% | 14.99% | 15.40% | 2.09% | 1.97% | -1,319 bps | |
| Share Growth (YoY) | 8.19% | 8.75% | 27.34% | 19.12% | 21.15% | 20.24% | 1.24% | 2.90% | -1,622 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.52% | 0.58% | 0.53% | 0.55% | 0.54% | 0.56% | 0.45% | 0.62% | +7 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.03% | 11.61% | 11.20% | 11.53% | 11.52% | 11.73% | 11.87% | 12.03% | +50 bps | |
| Net Worth / Assets | 11.03% | 11.61% | 11.20% | 11.53% | 11.52% | 11.73% | 11.87% | 12.03% | +50 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 98.42% | 98.36% | 93.27% | 95.04% | 93.41% | 94.40% | 94.05% | 94.18% | -86 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |