Pasadena, CA · Charter 62323
NCUA · 1 branch
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.22% | 1.12% | 1.04% | 1.04% | 1.03% | 0.92% | 0.65% | 0.72% | -32 bps | |
| Return on Equity | 5.44% | 4.89% | 4.62% | 4.63% | 4.55% | 3.99% | 2.84% | 3.09% | -154 bps | |
| Net Interest Margin | 4.47% | 4.50% | 4.06% | 4.10% | 4.11% | 4.15% | 3.91% | 4.02% | -8 bps | |
| Efficiency Ratio | 75.54% | 78.29% | 80.06% | 78.27% | 79.05% | 80.72% | 85.90% | 85.33% | +705 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.96% | -1.88% | -0.29% | 2.27% | 3.03% | 3.15% | 0.93% | -1.04% | -331 bps | |
| Loan Growth (YoY) | -5.70% | -4.99% | -6.56% | -11.05% | -10.06% | -11.64% | -9.63% | -7.08% | +397 bps | |
| Share Growth (YoY) | -4.75% | -3.25% | -1.16% | 1.93% | 2.75% | 3.23% | 0.60% | -2.27% | -420 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.60% | 2.58% | 2.38% | 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 | 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 | 22.45% | 22.81% | 22.52% | 22.47% | 22.70% | 22.97% | 23.08% | 23.41% | +94 bps | |
| Net Worth / Assets | 22.45% | 22.81% | 22.52% | 22.47% | 22.70% | 22.97% | 23.08% | 23.41% | +94 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 101.23% | 101.08% | 95.09% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |