Los Angeles, CA · Charter 60784
NCUA · 26 branches
Q3 2025
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 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.40% | 0.35% | 0.32% | 0.32% | 0.40% | 0.22% | 0.49% | 0.52% | +20 bps | |
| Return on Equity | 4.32% | 3.76% | 3.46% | 3.54% | 4.31% | 2.40% | 5.26% | 5.58% | +204 bps | |
| Net Interest Margin | 2.32% | 2.23% | 2.20% | 2.18% | 2.23% | 2.23% | 2.36% | 2.38% | +20 bps | |
| Efficiency Ratio | 83.71% | 84.89% | 86.25% | 85.35% | 84.95% | 88.53% | 81.76% | 80.82% | -453 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.97% | 7.87% | 8.02% | 8.79% | 3.49% | 5.02% | 3.08% | 2.24% | -655 bps | |
| Loan Growth (YoY) | 18.69% | 14.42% | 12.15% | 9.41% | 7.55% | 11.44% | 11.76% | 11.29% | +188 bps | |
| Share Growth (YoY) | 7.81% | 8.87% | 11.63% | 11.18% | 8.27% | 7.80% | 3.07% | 3.84% | -733 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.22% | 0.18% | 0.28% | 0.51% | 0.23% | 0.22% | 0.30% | 0.28% | -23 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 | 9.33% | 9.31% | 9.19% | 9.10% | 9.31% | 9.12% | 9.30% | 9.34% | +24 bps | |
| Net Worth / Assets | 9.33% | 9.31% | 9.19% | 9.10% | 9.31% | 9.12% | 9.30% | 9.34% | +24 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.16% | 68.30% | 67.57% | 68.21% | 69.69% | 70.60% | 73.26% | 73.11% | +489 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |