Fountain Valley, CA · Charter 64108
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 | 0.40% | 0.54% | 0.22% | 0.04% | -0.18% | -0.30% | -1.93% | -1.23% | -127 bps | |
| Return on Equity | 1.99% | 2.57% | 1.06% | 0.17% | -0.79% | -1.29% | -8.41% | -5.34% | -551 bps | |
| Net Interest Margin | 4.76% | 4.82% | 4.35% | 4.52% | 4.56% | 4.52% | 3.55% | 3.59% | -93 bps | |
| Efficiency Ratio | 74.48% | 75.81% | 94.85% | 99.17% | 104.00% | 106.63% | 135.88% | 134.02% | +3,486 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.36% | -5.36% | -4.84% | -11.02% | -13.14% | -11.39% | -10.57% | -4.72% | +630 bps | |
| Loan Growth (YoY) | -19.72% | -19.22% | -20.94% | -23.67% | -30.04% | -34.06% | -35.82% | -32.56% | -889 bps | |
| Share Growth (YoY) | -10.91% | -7.29% | -7.03% | -14.25% | -16.63% | -14.13% | -12.67% | -5.56% | +869 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.14% | 2.02% | 0.10% | 2.05% | 2.02% | 0.11% | 0.12% | 0.00% | -205 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 | 0.95% | 0.97% | 1.08% | 1.22% | 1.53% | 1.76% | 0.00% | 0.00% | -122 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.11% | 20.96% | 21.14% | 22.39% | 23.27% | 23.35% | 22.96% | 23.01% | +62 bps | |
| Net Worth / Assets | 20.11% | 20.96% | 21.14% | 22.39% | 23.27% | 23.35% | 22.96% | 23.01% | +62 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 55.01% | 56.11% | 52.23% | 51.24% | 46.16% | 43.08% | 38.39% | 36.60% | -1,465 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |