San Diego, CA · Charter 61003
NCUA · 5 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 | -0.03% | 0.13% | 0.21% | 0.26% | 0.22% | 0.72% | 0.33% | 1.29% | +103 bps | |
| Return on Equity | -0.43% | 1.80% | 2.78% | 3.32% | 2.78% | 9.03% | 4.23% | 15.32% | +1,200 bps | |
| Net Interest Margin | 3.01% | 3.01% | 3.22% | 3.40% | 3.46% | 3.39% | 3.68% | 3.68% | +29 bps | |
| Efficiency Ratio | 95.65% | 91.19% | 90.29% | 90.27% | 90.19% | 79.09% | 88.69% | 71.64% | -1,864 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.29% | 1.38% | -2.15% | -4.41% | -3.08% | 1.45% | 6.74% | 9.42% | +1,382 bps | |
| Loan Growth (YoY) | -4.48% | -4.87% | -3.06% | -1.67% | -0.09% | 7.80% | 6.69% | 10.91% | +1,258 bps | |
| Share Growth (YoY) | 3.54% | 3.14% | 3.39% | 0.48% | 0.65% | 3.79% | 3.93% | 8.71% | +823 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.03% | 0.08% | 0.06% | 0.08% | 0.04% | 0.03% | 0.04% | 0.13% | +6 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 | 7.27% | 7.37% | 7.66% | 7.88% | 7.82% | 7.99% | 7.92% | 8.43% | +55 bps | |
| Net Worth / Assets | 7.27% | 7.37% | 7.66% | 7.88% | 7.82% | 7.99% | 7.92% | 8.43% | +55 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 92.30% | 90.63% | 88.81% | 91.29% | 91.62% | 94.13% | 91.17% | 93.14% | +185 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |