San Diego, CA · Charter 60801
NCUA · 6 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.72% | -0.54% | 0.18% | 0.23% | 0.21% | 0.21% | 0.15% | 0.18% | -5 bps | |
| Return on Equity | -9.03% | -6.29% | 2.07% | 2.57% | 2.28% | 2.25% | 1.59% | 1.81% | -76 bps | |
| Net Interest Margin | 2.37% | 2.57% | 2.64% | 2.71% | 2.81% | 2.88% | 3.11% | 3.18% | +47 bps | |
| Efficiency Ratio | 100.52% | 98.70% | 92.55% | 97.64% | 95.77% | 93.85% | 92.08% | 91.70% | -594 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.23% | -18.12% | -17.74% | -15.13% | -10.81% | -6.12% | -5.43% | -6.60% | +853 bps | |
| Loan Growth (YoY) | -8.05% | -7.54% | -7.99% | -9.54% | -9.28% | -9.74% | -7.83% | -4.08% | +546 bps | |
| Share Growth (YoY) | -3.73% | -15.25% | -18.52% | -16.40% | -11.92% | -7.31% | -6.53% | -7.38% | +902 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.14% | 1.85% | 1.98% | 0.27% | 0.23% | 0.30% | 0.30% | 1.03% | +75 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 | 8.02% | 8.53% | 8.67% | 8.91% | 9.17% | 9.27% | 9.34% | 9.69% | +78 bps | |
| Net Worth / Assets | 8.02% | 8.53% | 8.67% | 8.91% | 9.17% | 9.27% | 9.34% | 9.69% | +78 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.74% | 73.77% | 73.11% | 71.88% | 72.86% | 71.84% | 72.10% | 74.44% | +256 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |