Pasadena, CA · Charter 62323
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.04% | 1.03% | 0.92% | 0.65% | 0.72% | -32 bps | |
| Return on Equity | 4.63% | 4.55% | 3.99% | 2.84% | 3.09% | -154 bps | |
| Net Interest Margin | 4.10% | 4.11% | 4.15% | 3.91% | 4.02% | -8 bps | |
| Efficiency Ratio | 78.27% | 79.05% | 80.72% | 85.90% | 85.33% | +705 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.27% | 3.03% | 3.15% | 0.93% | -1.04% | -331 bps | |
| Loan Growth (YoY) | -11.05% | -10.06% | -11.64% | -9.63% | -7.08% | +397 bps | |
| Share Growth (YoY) | 1.93% | 2.75% | 3.23% | 0.60% | -2.27% | -420 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.50% | 0.67% | 0.64% | 0.84% | 0.77% | +27 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 22.47% | 22.70% | 22.97% | 23.08% | 23.41% | +94 bps | |
| Net Worth / Assets | 22.47% | 22.70% | 22.97% | 23.08% | 23.41% | +94 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 88.93% | 88.60% | 86.52% | 85.42% | 84.55% | -438 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |