Redlands, CA · Charter 64531
NCUA · 2 branches
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 | 0.08% | 0.32% | 0.29% | 0.16% | 0.19% | +11 bps | |
| Return on Equity | 0.98% | 3.70% | 3.33% | 1.78% | 2.17% | +120 bps | |
| Net Interest Margin | 3.59% | 3.70% | 3.70% | 3.72% | 3.83% | +23 bps | |
| Efficiency Ratio | 86.69% | 85.06% | 85.21% | 91.34% | 88.59% | +190 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.03% | 0.60% | 1.69% | -0.53% | -2.94% | -291 bps | |
| Loan Growth (YoY) | 0.89% | -1.74% | -6.77% | -6.62% | -6.70% | -759 bps | |
| Share Growth (YoY) | -0.22% | 1.90% | 2.01% | -0.78% | -3.47% | -324 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.38% | 0.26% | 0.36% | 1.13% | 0.51% | +12 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 | 8.40% | 8.62% | 8.63% | 8.70% | 8.89% | +50 bps | |
| Net Worth / Assets | 8.40% | 8.62% | 8.63% | 8.70% | 8.89% | +50 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 70.88% | 71.64% | 67.63% | 67.86% | 68.50% | -238 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |