Pasadena, CA · Charter 66703
NCUA · 32 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 | 0.34% | 0.29% | 0.17% | 0.30% | 0.35% | 0.35% | 0.23% | 0.47% | +17 bps | |
| Return on Equity | 4.34% | 3.73% | 2.19% | 3.83% | 4.33% | 4.34% | 2.95% | 5.93% | +210 bps | |
| Net Interest Margin | 2.58% | 2.67% | 2.70% | 2.76% | 2.89% | 2.95% | 3.03% | 2.95% | +19 bps | |
| Efficiency Ratio | 88.61% | 90.09% | 92.07% | 89.40% | 88.09% | 87.77% | 89.22% | 83.96% | -544 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.16% | 7.84% | 4.15% | 0.53% | -0.88% | 0.46% | -0.32% | 1.39% | +86 bps | |
| Loan Growth (YoY) | 5.44% | 4.54% | 4.88% | 2.76% | 3.11% | 4.08% | 4.10% | 3.26% | +51 bps | |
| Share Growth (YoY) | 1.94% | 5.46% | 5.36% | 0.93% | -1.29% | -2.88% | -4.67% | -4.23% | -516 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.27% | 0.35% | 0.22% | 0.30% | 0.33% | 0.39% | 0.37% | 0.43% | +13 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 | 7.90% | 7.91% | 7.69% | 7.78% | 8.06% | 8.03% | 7.88% | 7.90% | +13 bps | |
| Net Worth / Assets | 7.90% | 7.91% | 7.69% | 7.78% | 8.06% | 8.03% | 7.88% | 7.90% | +13 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.44% | 74.42% | 72.71% | 74.83% | 78.80% | 79.76% | 79.40% | 80.69% | +586 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |