Los Angeles, CA · Charter 64171
NCUA · 4 branches
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 | 0.67% | 0.51% | 0.00% | -0.11% | -0.02% | 0.05% | 0.12% | 0.03% | +13 bps | |
| Return on Equity | 7.49% | 5.68% | 0.03% | -1.19% | -0.22% | 0.57% | 1.40% | 0.29% | +148 bps | |
| Net Interest Margin | 3.01% | 3.01% | 3.00% | 3.07% | 3.15% | 3.14% | 3.37% | 3.42% | +35 bps | |
| Efficiency Ratio | 74.82% | 77.89% | 94.01% | 88.32% | 84.27% | 82.91% | 81.29% | 85.63% | -269 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.48% | -2.56% | -0.68% | -0.23% | 1.00% | 3.19% | 4.18% | 1.70% | +193 bps | |
| Loan Growth (YoY) | -2.96% | -7.30% | -5.10% | -3.12% | 0.52% | 5.15% | 6.41% | 2.32% | +544 bps | |
| Share Growth (YoY) | 1.55% | 4.51% | 1.03% | 2.59% | 0.92% | 1.69% | 4.43% | 1.36% | -122 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.16% | 1.36% | 1.25% | 1.52% | 1.58% | 1.64% | 1.29% | 1.45% | -7 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 | 9.01% | 9.01% | 9.01% | 8.82% | 8.90% | 8.76% | 8.67% | 8.73% | -8 bps | |
| Net Worth / Assets | 9.01% | 9.01% | 9.01% | 8.82% | 8.90% | 8.76% | 8.67% | 8.73% | -8 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 102.26% | 98.28% | 98.79% | 99.82% | 101.86% | 101.63% | 100.66% | 100.76% | +94 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |