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Huntington Beach

Huntington Beac, CA · Charter 60967

NCUA · 1 branch

Q2 2026

$56.4MAssets
$17.5MLoans
$48.8MShares
$7.4MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.35%, up 72 bps year over year; NIM at 3.62%.
  • Asset quality: problem loans at 0.54% of loans (+14 bps YoY).
  • Capital: net worth / assets of 13.05%, up 62 bps from a year ago.
  • Funding: loans stand at 35.73% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.35%+72 bps YoY

Net Interest Margin (quarter, annualized)

3.62%+27 bps YoY

Efficiency Ratio (quarter, annualized)

68.35%-1,473 bps YoY

Net Worth / Assets

13.05%+62 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.63%0.52%0.57%1.62%1.35%+72 bps
Return on Equity5.10%4.18%4.44%12.55%10.35%+525 bps
Net Interest Margin3.35%3.43%3.51%3.50%3.62%+27 bps
Efficiency Ratio83.08%84.87%85.14%61.71%68.35%-1,473 bps
Growth
Asset Growth (YoY)2.08%3.41%-1.87%2.49%2.40%+33 bps
Loan Growth (YoY)2.95%1.65%1.36%6.08%7.79%+484 bps
Share Growth (YoY)1.86%3.41%-2.65%1.96%1.90%+4 bps
Asset Quality
Delinquent Loans / Loans0.40%0.40%0.44%0.37%0.54%+14 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.42%12.54%12.95%12.89%13.05%+62 bps
Net Worth / Assets12.42%12.54%12.95%12.89%13.05%+62 bps
Liquidity & Funding
Loans / Shares33.78%34.12%35.38%34.80%35.73%+195 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps