PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Slo

San Luis Obispo, CA · Charter 61779

NCUA · 1 branch

Q2 2026

$29.1MAssets
$13.8MLoans
$25.3MShares
$4.2MNet 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 -0.51%, up 9 bps year over year; NIM at 3.11%.
  • Asset quality: problem loans at 0.20% of loans (-352 bps YoY).
  • Capital: net worth / assets of 14.47%, down 193 bps from a year ago.
  • Funding: loans stand at 54.49% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.51%+9 bps YoY

Net Interest Margin (YTD, annualized)

3.11%+15 bps YoY

Efficiency Ratio (YTD, annualized)

117.59%+127 bps YoY

Net Worth / Assets

14.47%-193 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.60%-0.54%-2.99%-0.68%-0.51%+9 bps
Return on Equity-3.68%-3.21%-20.61%-4.81%-3.53%+16 bps
Net Interest Margin2.96%3.04%3.07%3.05%3.11%+15 bps
Efficiency Ratio116.32%114.75%120.54%124.48%117.59%+127 bps
Growth
Asset Growth (YoY)-6.83%-7.30%-11.03%-6.01%-6.53%+30 bps
Loan Growth (YoY)0.81%-7.76%-12.88%-14.08%-24.83%-2,564 bps
Share Growth (YoY)-8.95%-8.75%-11.09%-4.68%-4.82%+413 bps
Asset Quality
Delinquent Loans / Loans3.73%3.96%0.39%0.74%0.20%-352 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 Capital16.40%16.84%14.52%14.23%14.47%-193 bps
Net Worth / Assets16.40%16.84%14.52%14.23%14.47%-193 bps
Liquidity & Funding
Loans / Shares69.00%65.13%60.58%58.09%54.49%-1,451 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps