Gardena, CA · Charter 65059
NCUA · 2 branches
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 | 0.31% | 0.32% | 0.23% | 0.07% | 0.32% | 0.37% | 0.11% | 0.13% | +6 bps | |
| Return on Equity | 2.36% | 2.29% | 1.68% | 0.50% | 2.24% | 2.54% | 0.78% | 0.93% | +43 bps | |
| Net Interest Margin | 3.21% | 3.37% | 3.24% | 3.26% | 3.26% | 3.23% | 2.97% | 3.02% | -23 bps | |
| Efficiency Ratio | 91.02% | 91.05% | 93.48% | 97.03% | 90.11% | 92.41% | 89.75% | 92.48% | -455 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.07% | -6.71% | -4.90% | -5.42% | -5.66% | -1.91% | -1.94% | 1.05% | +647 bps | |
| Loan Growth (YoY) | 0.28% | -1.28% | -0.40% | -8.02% | -10.13% | -11.82% | -12.53% | -7.86% | +16 bps | |
| Share Growth (YoY) | -7.85% | -7.81% | -6.57% | -7.25% | -6.79% | -2.87% | -2.40% | 1.34% | +859 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.27% | 0.94% | 0.98% | 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 | 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 | 13.31% | 13.80% | 13.79% | 14.02% | 14.40% | 14.40% | 14.36% | 14.23% | +22 bps | |
| Net Worth / Assets | 13.31% | 13.80% | 13.79% | 14.02% | 14.40% | 14.40% | 14.36% | 14.23% | +22 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 93.43% | 95.84% | 94.67% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |