PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

San Diego County

San Diego, CA · Charter 61004

NCUA · 40 branches

Q2 2026

$9.5BAssets
$5.1BLoans
$7.8BShares
$1.9BNet Worth

Executive Summary

  • Earnings: ROA of 0.54%, down 29 bps year over year; NIM at 2.14%.
  • Asset quality: problem loans at 0.20% of loans (-3 bps YoY).
  • Capital: net worth / assets of 19.82%, up 7 bps from a year ago.
  • Funding: loans stand at 65.87% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.54%-29 bps YoY

Net Interest Margin (YTD, annualized)

2.14%+10 bps YoY

Efficiency Ratio (YTD, annualized)

80.62%+835 bps YoY

Net Worth / Assets

19.82%+7 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.70%0.72%0.80%0.84%0.87%0.87%0.50%0.54%-29 bps
Return on Equity3.91%3.66%4.09%4.24%4.34%4.35%2.49%2.73%-150 bps
Net Interest Margin2.00%2.14%2.06%2.04%2.07%2.11%2.19%2.14%+10 bps
Efficiency Ratio73.48%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 / Loans0.20%0.20%0.11%0.23%0.21%0.24%0.10%0.20%-3 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital17.99%19.63%19.52%19.76%20.08%20.10%20.02%19.82%+7 bps
Net Worth / Assets17.99%19.63%19.52%19.76%20.08%20.10%20.02%19.82%+7 bps
Liquidity & Funding
Loans / Shares72.62%72.23%69.02%67.86%67.40%67.18%65.25%65.87%-199 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps