Wilmington, CA · Charter 5960
NCUA · 1 branch
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 | -0.27% | -0.26% | -1.80% | -0.35% | 0.12% | 1.21% | 1.28% | 1.53% | +188 bps | |
| Return on Equity | -0.84% | -0.82% | -5.83% | -1.88% | 0.65% | 6.18% | 6.45% | 7.56% | +945 bps | |
| Net Interest Margin | 2.24% | 2.29% | 2.04% | 1.78% | 2.47% | 2.72% | 2.82% | 3.05% | +127 bps | |
| Efficiency Ratio | 111.86% | 111.34% | 344% | 130.41% | 75.30% | 50.57% | 54.79% | 49.86% | -8,055 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.33% | -4.35% | 2.90% | 67.72% | 66.57% | 68.30% | 66.32% | 0.47% | -6,725 bps | |
| Loan Growth (YoY) | -21.88% | -17.10% | 8.13% | 26.29% | 2.27% | -10.81% | -7.43% | -12.78% | -3,907 bps | |
| Share Growth (YoY) | -9.74% | -5.92% | 5.31% | 100.08% | 96.72% | 98.74% | 93.38% | -1.06% | -10,114 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 7.54% | 7.59% | 6.17% | 6.36% | 0.00% | 0.00% | 0.00% | 0.00% | -636 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 | 6.91% | 6.95% | 5.65% | 5.83% | 6.75% | 7.79% | 6.11% | 6.68% | +85 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 31.59% | 31.89% | 30.97% | 18.79% | 19.02% | 19.54% | 19.80% | 20.23% | +144 bps | |
| Net Worth / Assets | 31.59% | 31.89% | 30.97% | 18.79% | 19.02% | 19.54% | 19.80% | 20.23% | +144 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 17.70% | 17.87% | 21.37% | 10.64% | 9.20% | 8.02% | 10.23% | 9.38% | -126 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |