South Pasadena, CA · Charter 60024
NCUA · 3 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.20% | 1.28% | 1.30% | 1.40% | 1.01% | -19 bps | |
| Return on Equity | 9.16% | 9.71% | 9.72% | 10.16% | 7.26% | -190 bps | |
| Net Interest Margin | 4.15% | 4.13% | 4.17% | 4.31% | 4.23% | +7 bps | |
| Efficiency Ratio | 72.08% | 71.31% | 70.96% | 72.62% | 75.46% | +338 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.26% | 5.77% | 6.36% | 1.67% | 2.97% | -29 bps | |
| Loan Growth (YoY) | 2.47% | -0.20% | 1.14% | 4.05% | -2.17% | -464 bps | |
| Share Growth (YoY) | 1.25% | 4.47% | 4.48% | 0.02% | 1.53% | +28 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.32% | 0.38% | 0.24% | 0.33% | 0.25% | -7 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.14% | 13.18% | 13.39% | 13.75% | 13.95% | +81 bps | |
| Net Worth / Assets | 13.14% | 13.18% | 13.39% | 13.75% | 13.95% | +81 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 55.77% | 54.00% | 53.15% | 53.22% | 53.74% | -203 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |