San Diego, CA · Charter 66584
NCUA · 28 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.71% | 0.65% | 0.57% | 0.62% | 0.84% | 0.77% | 0.33% | 1.16% | +55 bps | |
| Return on Equity | 5.52% | 4.92% | 4.35% | 4.59% | 6.08% | 5.60% | 2.47% | 8.35% | +376 bps | |
| Net Interest Margin | 2.93% | 3.00% | 3.08% | 3.23% | 3.30% | 3.31% | 3.32% | 3.30% | +7 bps | |
| Efficiency Ratio | 81.53% | 82.49% | 83.69% | 82.07% | 78.38% | 79.02% | 92.54% | 75.05% | -702 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.47% | 2.18% | -0.69% | -1.43% | -1.17% | 1.11% | 1.56% | 3.65% | +508 bps | |
| Loan Growth (YoY) | 1.10% | -0.55% | 0.92% | 1.13% | -0.97% | 0.55% | 2.68% | 4.62% | +350 bps | |
| Share Growth (YoY) | 0.07% | 1.56% | -1.98% | -2.85% | -2.13% | -0.56% | 0.32% | 2.50% | +535 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.10% | 0.15% | 0.13% | 0.17% | 0.12% | 0.26% | 0.24% | 0.26% | +9 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 | 12.94% | 13.21% | 13.04% | 13.44% | 13.73% | 13.74% | 13.44% | 13.91% | +47 bps | |
| Net Worth / Assets | 12.94% | 13.21% | 13.04% | 13.44% | 13.73% | 13.74% | 13.44% | 13.91% | +47 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.48% | 75.94% | 74.71% | 76.64% | 76.38% | 76.80% | 76.46% | 78.23% | +159 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |