Redlands, CA · Charter 64531
NCUA · 2 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 | -0.03% | 0.02% | 0.02% | 0.08% | 0.32% | 0.29% | 0.16% | 0.19% | +11 bps | |
| Return on Equity | -0.39% | 0.28% | 0.29% | 0.98% | 3.70% | 3.33% | 1.78% | 2.17% | +120 bps | |
| Net Interest Margin | 3.39% | 3.43% | 3.53% | 3.59% | 3.70% | 3.70% | 3.72% | 3.83% | +23 bps | |
| Efficiency Ratio | 91.05% | 90.65% | 87.87% | 86.69% | 85.06% | 85.21% | 91.34% | 88.59% | +190 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.09% | -3.24% | -0.81% | -0.03% | 0.60% | 1.69% | -0.53% | -2.94% | -291 bps | |
| Loan Growth (YoY) | 1.38% | 2.91% | 4.91% | 0.89% | -1.74% | -6.77% | -6.62% | -6.70% | -759 bps | |
| Share Growth (YoY) | -1.28% | -1.35% | -1.13% | -0.22% | 1.90% | 2.01% | -0.78% | -3.47% | -324 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.77% | 0.55% | 0.53% | 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 | 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 | 8.45% | 8.59% | 8.44% | 8.40% | 8.62% | 8.63% | 8.70% | 8.89% | +50 bps | |
| Net Worth / Assets | 8.45% | 8.59% | 8.44% | 8.40% | 8.62% | 8.63% | 8.70% | 8.89% | +50 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 74.29% | 74.00% | 72.11% | 70.88% | 71.64% | 67.63% | 67.86% | 68.50% | -238 bps | |
| Liquid Assets / Assets | 99.48% | 0.00% | 99.17% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |