Gardena, CA · Charter 65059
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 | 0.07% | 0.32% | 0.37% | 0.11% | 0.13% | +6 bps | |
| Return on Equity | 0.50% | 2.24% | 2.54% | 0.78% | 0.93% | +43 bps | |
| Net Interest Margin | 3.26% | 3.26% | 3.23% | 2.97% | 3.02% | -23 bps | |
| Efficiency Ratio | 97.03% | 90.11% | 92.41% | 89.75% | 92.48% | -455 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.42% | -5.66% | -1.91% | -1.94% | 1.05% | +647 bps | |
| Loan Growth (YoY) | -8.02% | -10.13% | -11.82% | -12.53% | -7.86% | +16 bps | |
| Share Growth (YoY) | -7.25% | -6.79% | -2.87% | -2.40% | 1.34% | +859 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.11% | 0.06% | 1.22% | 1.26% | 2.69% | +259 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 | 14.02% | 14.40% | 14.40% | 14.36% | 14.23% | +22 bps | |
| Net Worth / Assets | 14.02% | 14.40% | 14.40% | 14.36% | 14.23% | +22 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 90.79% | 90.09% | 87.01% | 84.84% | 82.55% | -824 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |