PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

California Lithuanian

Santa Monica, CA · Charter 64834

NCUA · 1 branch

Q2 2026

$175.1MAssets
$129.9MLoans
$143.0MShares
$30.5MNet 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 0.57%, up 5 bps year over year; NIM at 1.68%.
  • Asset quality: problem loans at 1.45% of loans (+34 bps YoY).
  • Capital: net worth / assets of 17.40%, down 268 bps from a year ago.
  • Funding: loans stand at 90.82% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.57%+5 bps YoY

Net Interest Margin (YTD, annualized)

1.68%-4 bps YoY

Efficiency Ratio (YTD, annualized)

67.09%-308 bps YoY

Net Worth / Assets

17.40%-268 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.52%0.55%0.61%0.65%0.57%+5 bps
Return on Equity2.58%2.74%3.12%3.41%3.25%+67 bps
Net Interest Margin1.71%1.70%1.72%1.82%1.68%-4 bps
Efficiency Ratio70.17%68.37%64.73%65.25%67.09%-308 bps
Growth
Asset Growth (YoY)3.70%0.27%3.55%5.83%19.51%+1,581 bps
Loan Growth (YoY)10.32%21.01%26.10%26.59%26.87%+1,655 bps
Share Growth (YoY)3.82%-0.37%3.93%8.45%23.72%+1,991 bps
Asset Quality
Delinquent Loans / Loans1.12%3.80%0.75%0.73%1.45%+34 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 Capital20.08%20.02%19.65%19.15%17.40%-268 bps
Net Worth / Assets20.08%20.02%19.65%19.15%17.40%-268 bps
Liquidity & Funding
Loans / Shares88.57%97.76%102.18%100.14%90.82%+225 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps