PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Interfaith

Montclair, CA · Charter 5816

NCUA · 5 branches

Q2 2026

$134.8MAssets
$72.2MLoans
$118.3MShares
$16.0MNet 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 0.67%, down 1 bps year over year; NIM at 3.20%.
  • Asset quality: problem loans at 0.34% of loans (+14 bps YoY).
  • Capital: net worth / assets of 11.87%, up 56 bps from a year ago.
  • Funding: loans stand at 61.06% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.67%-1 bps YoY

Net Interest Margin (YTD, annualized)

3.20%+27 bps YoY

Efficiency Ratio (YTD, annualized)

78.34%-162 bps YoY

Net Worth / Assets

11.87%+56 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.68%0.83%0.73%0.65%0.67%-1 bps
Return on Equity5.98%7.21%6.50%5.54%5.64%-34 bps
Net Interest Margin2.93%3.01%2.94%3.06%3.20%+27 bps
Efficiency Ratio79.97%76.05%77.67%79.44%78.34%-162 bps
Growth
Asset Growth (YoY)11.87%12.95%12.88%8.08%1.73%-1,014 bps
Loan Growth (YoY)2.09%0.36%4.57%5.67%0.39%-170 bps
Share Growth (YoY)12.91%14.98%13.74%8.20%0.99%-1,192 bps
Asset Quality
Delinquent Loans / Loans0.20%0.34%0.62%0.61%0.34%+14 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 Capital11.31%11.52%11.30%11.65%11.87%+56 bps
Net Worth / Assets11.31%11.52%11.30%11.65%11.87%+56 bps
Liquidity & Funding
Loans / Shares61.42%60.81%59.85%61.45%61.06%-36 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps