Huntington Beac, CA · Charter 60967
NCUA · 1 branch
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 | 0.43% | 0.44% | 0.66% | 0.63% | 0.52% | 0.57% | 1.62% | 1.35% | +72 bps | |
| Return on Equity | 3.50% | 3.59% | 5.35% | 5.10% | 4.18% | 4.44% | 12.55% | 10.35% | +525 bps | |
| Net Interest Margin | 3.41% | 3.33% | 3.38% | 3.35% | 3.43% | 3.51% | 3.50% | 3.62% | +27 bps | |
| Efficiency Ratio | 82.64% | 82.90% | 81.95% | 83.08% | 84.87% | 85.14% | 61.71% | 68.35% | -1,473 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.50% | 0.49% | -5.54% | 2.08% | 3.41% | -1.87% | 2.49% | 2.40% | +33 bps | |
| Loan Growth (YoY) | 14.16% | 9.73% | 2.55% | 2.95% | 1.65% | 1.36% | 6.08% | 7.79% | +484 bps | |
| Share Growth (YoY) | -7.48% | 0.31% | -6.75% | 1.86% | 3.41% | -2.65% | 1.96% | 1.90% | +4 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.20% | 0.25% | 0.21% | 0.40% | 0.40% | 0.44% | 0.37% | 0.54% | +14 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 | 12.43% | 12.14% | 12.40% | 12.42% | 12.54% | 12.95% | 12.89% | 13.05% | +62 bps | |
| Net Worth / Assets | 12.43% | 12.14% | 12.40% | 12.42% | 12.54% | 12.95% | 12.89% | 13.05% | +62 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 34.71% | 33.98% | 33.45% | 33.78% | 34.12% | 35.38% | 34.80% | 35.73% | +195 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |