PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Caltech Employees

La Canada, CA · Charter 6681

NCUA · 4 branches

Q2 2026

$2.1BAssets
$705.5MLoans
$1.6BShares
$211.3MNet 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 0.13%, up 4 bps year over year; NIM at 1.07%.
  • Asset quality: problem loans at 0.02% of loans (-3 bps YoY).
  • Capital: net worth / assets of 10.08%, up 14 bps from a year ago.
  • Funding: loans stand at 44.68% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.13%+4 bps YoY

Net Interest Margin (YTD, annualized)

1.07%+14 bps YoY

Efficiency Ratio (YTD, annualized)

88.68%-282 bps YoY

Net Worth / Assets

10.08%+14 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.09%0.10%0.10%0.12%0.13%+4 bps
Return on Equity0.86%0.97%1.01%1.26%1.27%+41 bps
Net Interest Margin0.93%0.95%0.96%1.08%1.07%+14 bps
Efficiency Ratio91.51%90.55%90.33%88.75%88.68%-282 bps
Growth
Asset Growth (YoY)6.62%4.30%4.10%2.45%-0.87%-749 bps
Loan Growth (YoY)4.89%8.87%10.34%12.83%14.03%+914 bps
Share Growth (YoY)4.22%4.71%4.05%-0.81%-1.94%-616 bps
Asset Quality
Delinquent Loans / Loans0.05%0.03%0.04%0.03%0.02%-3 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 Capital9.94%9.97%9.92%9.68%10.08%+14 bps
Net Worth / Assets9.94%9.97%9.92%9.68%10.08%+14 bps
Liquidity & Funding
Loans / Shares38.42%40.13%41.13%41.71%44.68%+626 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps