PackageTrendsPeer
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Skyone

Hawthorne, CA · Charter 6248

NCUA · 3 branches

Q2 2026

$863.3MAssets
$622.4MLoans
$732.3MShares
$66.2MNet 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 0.23%, up 114 bps year over year; NIM at 2.76%.
  • Asset quality: problem loans at 1.25% of loans (-5 bps YoY).
  • Capital: net worth / assets of 7.67%, up 46 bps from a year ago.
  • Funding: loans stand at 84.99% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.23%+114 bps YoY

Net Interest Margin (YTD, annualized)

2.76%+11 bps YoY

Efficiency Ratio (YTD, annualized)

80.76%+49 bps YoY

Net Worth / Assets

7.67%+46 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.92%-0.45%-0.27%0.18%0.23%+114 bps
Return on Equity-12.72%-6.10%-3.66%2.44%2.95%+1,568 bps
Net Interest Margin2.65%2.71%2.82%2.67%2.76%+11 bps
Efficiency Ratio80.27%78.18%76.51%88.51%80.76%+49 bps
Growth
Asset Growth (YoY)-8.27%-8.46%-12.21%-8.78%-7.01%+126 bps
Loan Growth (YoY)-12.34%-12.13%-8.98%-6.87%-1.90%+1,044 bps
Share Growth (YoY)-14.85%-2.74%-11.02%-6.90%0.38%+1,522 bps
Asset Quality
Delinquent Loans / Loans1.30%1.22%1.35%1.16%1.25%-5 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 Capital7.21%7.42%7.40%7.50%7.67%+46 bps
Net Worth / Assets7.21%7.42%7.40%7.50%7.67%+46 bps
Liquidity & Funding
Loans / Shares86.97%84.96%84.61%84.85%84.99%-198 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps