Montclair, CA · Charter 5816
NCUA · 5 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 | 0.84% | 0.79% | 0.60% | 0.68% | 0.83% | 0.73% | 0.65% | 0.67% | -1 bps | |
| Return on Equity | 6.82% | 6.64% | 5.07% | 5.98% | 7.21% | 6.50% | 5.54% | 5.64% | -34 bps | |
| Net Interest Margin | 2.98% | 2.92% | 2.99% | 2.93% | 3.01% | 2.94% | 3.06% | 3.20% | +27 bps | |
| Efficiency Ratio | 78.33% | 78.79% | 82.44% | 79.97% | 76.05% | 77.67% | 79.44% | 78.34% | -162 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.26% | -0.87% | 3.28% | 11.87% | 12.95% | 12.88% | 8.08% | 1.73% | -1,014 bps | |
| Loan Growth (YoY) | 5.93% | -0.58% | -2.28% | 2.09% | 0.36% | 4.57% | 5.67% | 0.39% | -170 bps | |
| Share Growth (YoY) | -6.35% | -1.80% | 3.08% | 12.91% | 14.98% | 13.74% | 8.20% | 0.99% | -1,192 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.16% | 0.13% | 0.47% | 0.20% | 0.34% | 0.62% | 0.61% | 0.34% | +14 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 | 12.32% | 11.93% | 11.76% | 11.31% | 11.52% | 11.30% | 11.65% | 11.87% | +56 bps | |
| Net Worth / Assets | 12.32% | 11.93% | 11.76% | 11.31% | 11.52% | 11.30% | 11.65% | 11.87% | +56 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.66% | 65.10% | 62.92% | 61.42% | 60.81% | 59.85% | 61.45% | 61.06% | -36 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |