PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

L. A. Electrical Workers Credit Un.

Pasadena, CA · Charter 60755

NCUA · 2 branches

Q2 2026

$54.8MAssets
$11.7MLoans
$44.9MShares
$10.8MNet Worth

Executive Summary

  • Earnings: ROA of 0.64%, down 8 bps year over year; NIM at 3.58%.
  • Asset quality: problem loans at 0.08% of loans (-46 bps YoY).
  • Capital: net worth / assets of 19.76%, down 19 bps from a year ago.
  • Funding: loans stand at 26.18% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.64%-8 bps YoY

Net Interest Margin (YTD, annualized)

3.58%+2 bps YoY

Efficiency Ratio (YTD, annualized)

84.22%+441 bps YoY

Net Worth / Assets

19.76%-19 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.31%0.52%0.27%0.72%0.84%0.87%0.45%0.64%-8 bps
Return on Equity1.67%2.59%1.35%3.62%4.21%4.24%2.24%3.24%-38 bps
Net Interest Margin3.46%3.71%3.44%3.56%3.58%3.69%3.56%3.58%+2 bps
Efficiency Ratio83.18%80.83%85.37%79.81%78.65%77.32%88.46%84.22%+441 bps
Growth
Asset Growth (YoY)-6.80%-8.75%-4.08%-3.03%-2.07%1.97%2.77%4.87%+790 bps
Loan Growth (YoY)5.80%2.63%1.08%1.51%0.82%-3.96%-8.63%-9.26%-1,077 bps
Share Growth (YoY)-12.98%-12.22%-7.31%-6.62%-3.73%1.06%2.12%5.44%+1,206 bps
Asset Quality
Delinquent Loans / Loans1.08%0.68%0.64%0.54%0.53%0.20%0.21%0.08%-46 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital18.68%20.10%19.64%19.95%19.89%20.50%19.92%19.76%-19 bps
Net Worth / Assets18.68%20.10%19.64%19.95%19.89%20.50%19.92%19.76%-19 bps
Liquidity & Funding
Loans / Shares27.81%30.71%30.07%30.42%29.13%29.19%26.91%26.18%-424 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps