San Luis Obispo, CA · Charter 61779
NCUA · 1 branch
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 | -0.73% | -0.84% | -0.31% | -0.60% | -0.54% | -2.99% | -0.68% | -0.51% | +9 bps | |
| Return on Equity | -4.48% | -5.36% | -1.90% | -3.68% | -3.21% | -20.61% | -4.81% | -3.53% | +16 bps | |
| Net Interest Margin | 3.10% | 2.99% | 3.02% | 2.96% | 3.04% | 3.07% | 3.05% | 3.11% | +15 bps | |
| Efficiency Ratio | 107.67% | 112.85% | 112.92% | 116.32% | 114.75% | 120.54% | 124.48% | 117.59% | +127 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.44% | -5.69% | -10.76% | -6.83% | -7.30% | -11.03% | -6.01% | -6.53% | +30 bps | |
| Loan Growth (YoY) | -3.60% | -3.68% | -2.83% | 0.81% | -7.76% | -12.88% | -14.08% | -24.83% | -2,564 bps | |
| Share Growth (YoY) | -10.12% | -6.71% | -12.90% | -8.95% | -8.75% | -11.09% | -4.68% | -4.82% | +413 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.89% | 3.84% | 4.05% | 3.73% | 3.96% | 0.39% | 0.74% | 0.20% | -352 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 | 16.40% | 15.69% | 16.35% | 16.40% | 16.84% | 14.52% | 14.23% | 14.47% | -193 bps | |
| Net Worth / Assets | 16.40% | 15.69% | 16.35% | 16.40% | 16.84% | 14.52% | 14.23% | 14.47% | -193 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.43% | 61.82% | 64.45% | 69.00% | 65.13% | 60.58% | 58.09% | 54.49% | -1,451 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |