Santa Monica, CA · Charter 64834
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 | 0.46% | 0.61% | 0.27% | 0.52% | 0.55% | 0.61% | 0.65% | 0.57% | +5 bps | |
| Return on Equity | 2.35% | 3.07% | 1.38% | 2.58% | 2.74% | 3.12% | 3.41% | 3.25% | +67 bps | |
| Net Interest Margin | 1.42% | 1.49% | 1.42% | 1.71% | 1.70% | 1.72% | 1.82% | 1.68% | -4 bps | |
| Efficiency Ratio | 68.30% | 68.94% | 81.34% | 70.17% | 68.37% | 64.73% | 65.25% | 67.09% | -308 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.72% | 4.49% | 7.84% | 3.70% | 0.27% | 3.55% | 5.83% | 19.51% | +1,581 bps | |
| Loan Growth (YoY) | -0.43% | 4.71% | 7.06% | 10.32% | 21.01% | 26.10% | 26.59% | 26.87% | +1,655 bps | |
| Share Growth (YoY) | 6.02% | 4.54% | 8.91% | 3.82% | -0.37% | 3.93% | 8.45% | 23.72% | +1,991 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.15% | 1.18% | 0.94% | 1.12% | 3.80% | 0.75% | 0.73% | 1.45% | +34 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 | 19.40% | 19.72% | 19.53% | 20.08% | 20.02% | 19.65% | 19.15% | 17.40% | -268 bps | |
| Net Worth / Assets | 19.40% | 19.72% | 19.53% | 20.08% | 20.02% | 19.65% | 19.15% | 17.40% | -268 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.49% | 84.21% | 85.79% | 88.57% | 97.76% | 102.18% | 100.14% | 90.82% | +225 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |