San Diego, CA · Charter 61004
NCUA · 40 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.70% | 0.72% | 0.80% | 0.84% | 0.87% | 0.87% | 0.50% | 0.54% | -29 bps | |
| Return on Equity | 3.91% | 3.66% | 4.09% | 4.24% | 4.34% | 4.35% | 2.49% | 2.73% | -150 bps | |
| Net Interest Margin | 2.00% | 2.14% | 2.06% | 2.04% | 2.07% | 2.11% | 2.19% | 2.14% | +10 bps | |
| Efficiency Ratio | 73.48% | 74.65% | 75.19% | 72.27% | 70.90% | 70.86% | 82.82% | 80.62% | +835 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -21.35% | -32.01% | -29.86% | -15.87% | -7.42% | 1.32% | 0.77% | 2.61% | +1,849 bps | |
| Loan Growth (YoY) | -7.80% | -8.39% | -9.96% | -10.71% | -9.38% | -8.05% | -6.54% | 0.00% | +1,072 bps | |
| Share Growth (YoY) | -10.42% | -8.53% | -4.57% | -1.29% | -2.36% | -1.13% | -1.14% | 3.03% | +431 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.20% | 0.20% | 0.11% | 0.23% | 0.21% | 0.24% | 0.10% | 0.20% | -3 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 | 17.99% | 19.63% | 19.52% | 19.76% | 20.08% | 20.10% | 20.02% | 19.82% | +7 bps | |
| Net Worth / Assets | 17.99% | 19.63% | 19.52% | 19.76% | 20.08% | 20.10% | 20.02% | 19.82% | +7 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.62% | 72.23% | 69.02% | 67.86% | 67.40% | 67.18% | 65.25% | 65.87% | -199 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |