PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Eagle Community

Lake Forest, CA · Charter 66847

NCUA · 6 branches

Q2 2026

$409.2MAssets
$337.2MLoans
$362.7MShares
$40.6MNet Worth

Executive Summary

  • Earnings: ROA of 0.56%, up 13 bps year over year; NIM at 5.35%.
  • Asset quality: problem loans at 0.49% of loans (+1 bps YoY).
  • Capital: net worth / assets of 9.91%, down 82 bps from a year ago.
  • Funding: loans stand at 92.96% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.56%+13 bps YoY

Net Interest Margin (YTD, annualized)

5.35%+1 bps YoY

Efficiency Ratio (YTD, annualized)

78.19%-403 bps YoY

Net Worth / Assets

9.91%-82 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.43%0.48%0.29%0.43%0.50%0.47%0.34%0.56%+13 bps
Return on Equity4.19%4.58%2.79%3.98%4.73%4.71%3.53%5.66%+168 bps
Net Interest Margin5.09%5.13%5.02%5.34%5.32%5.08%5.22%5.35%+1 bps
Efficiency Ratio80.92%79.50%83.06%82.22%80.62%79.72%79.77%78.19%-403 bps
Growth
Asset Growth (YoY)-2.40%1.30%1.07%-0.44%3.43%10.23%12.28%14.33%+1,477 bps
Loan Growth (YoY)-3.67%-0.60%3.31%5.17%6.66%15.32%17.76%15.97%+1,080 bps
Share Growth (YoY)-0.82%1.48%1.20%-0.76%3.50%11.09%13.80%16.10%+1,687 bps
Asset Quality
Delinquent Loans / Loans0.71%0.58%0.36%0.48%0.48%0.65%0.45%0.49%+1 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.38%10.55%10.35%10.74%10.53%10.02%9.67%9.91%-82 bps
Net Worth / Assets10.38%10.55%10.35%10.74%10.53%10.02%9.67%9.91%-82 bps
Liquidity & Funding
Loans / Shares90.75%90.45%88.02%93.07%93.52%93.89%91.08%92.96%-11 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps