PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Universal City Studios

Burbank, CA · Charter 64893

NCUA · 2 branches

Q2 2026

$71.6MAssets
$47.1MLoans
$65.8MShares
$5.7MNet 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 -1.59%, down 76 bps year over year; NIM at 3.46%.
  • Asset quality: problem loans at 0.16% of loans (-85 bps YoY).
  • Capital: net worth / assets of 7.98%, down 107 bps from a year ago.
  • Funding: loans stand at 71.58% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

-1.59%-76 bps YoY

Net Interest Margin (quarter, annualized)

3.46%+11 bps YoY

Efficiency Ratio (quarter, annualized)

121.09%+1,068 bps YoY

Net Worth / Assets

7.98%-107 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.83%-0.77%-0.98%-1.87%-1.59%-76 bps
Return on Equity-9.19%-8.53%-11.14%-22.56%-19.91%-1,072 bps
Net Interest Margin3.35%3.46%3.57%3.39%3.46%+11 bps
Efficiency Ratio110.41%110.48%114.33%120.18%121.09%+1,068 bps
Growth
Asset Growth (YoY)-1.45%-0.96%-3.76%-5.62%-3.64%-219 bps
Loan Growth (YoY)-1.15%-0.38%-0.90%-4.65%-6.64%-550 bps
Share Growth (YoY)-0.92%-0.38%-2.66%-4.78%-2.51%-159 bps
Asset Quality
Delinquent Loans / Loans1.01%1.52%1.35%0.13%0.16%-85 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 Capital9.05%9.03%8.82%8.28%7.98%-107 bps
Net Worth / Assets9.05%9.03%8.82%8.28%7.98%-107 bps
Liquidity & Funding
Loans / Shares74.76%76.14%76.64%73.68%71.58%-317 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps