PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Wescom Central

Pasadena, CA · Charter 66703

NCUA · 32 branches

Q2 2026

$6.6BAssets
$3.5BLoans
$4.3BShares
$521.7MNet 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 0.47%, up 17 bps year over year; NIM at 2.95%.
  • Asset quality: problem loans at 0.43% of loans (+13 bps YoY).
  • Capital: net worth / assets of 7.90%, up 13 bps from a year ago.
  • Funding: loans stand at 80.69% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.47%+17 bps YoY

Net Interest Margin (YTD, annualized)

2.95%+19 bps YoY

Efficiency Ratio (YTD, annualized)

83.96%-544 bps YoY

Net Worth / Assets

7.90%+13 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.30%0.35%0.35%0.23%0.47%+17 bps
Return on Equity3.83%4.33%4.34%2.95%5.93%+210 bps
Net Interest Margin2.76%2.89%2.95%3.03%2.95%+19 bps
Efficiency Ratio89.40%88.09%87.77%89.22%83.96%-544 bps
Growth
Asset Growth (YoY)0.53%-0.88%0.46%-0.32%1.39%+86 bps
Loan Growth (YoY)2.76%3.11%4.08%4.10%3.26%+51 bps
Share Growth (YoY)0.93%-1.29%-2.88%-4.67%-4.23%-516 bps
Asset Quality
Delinquent Loans / Loans0.30%0.33%0.39%0.37%0.43%+13 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 Capital7.78%8.06%8.03%7.88%7.90%+13 bps
Net Worth / Assets7.78%8.06%8.03%7.88%7.90%+13 bps
Liquidity & Funding
Loans / Shares74.83%78.80%79.76%79.40%80.69%+586 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps