Santa Barbara, CA · Charter 6711
NCUA · 1 branch
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 | 1.58% | 1.42% | 0.64% | 1.57% | 1.67% | 1.63% | 0.26% | 1.61% | +4 bps | |
| Return on Equity | 14.12% | 12.81% | 5.62% | 13.43% | 13.84% | 12.82% | 2.04% | 11.93% | -150 bps | |
| Net Interest Margin | 3.24% | 3.27% | 3.24% | 3.23% | 3.19% | 3.52% | 3.26% | 3.37% | +13 bps | |
| Efficiency Ratio | 62.23% | 64.31% | 81.46% | 62.85% | 60.78% | 62.04% | 87.68% | 62.39% | -46 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.38% | 4.73% | 2.06% | 5.98% | 6.44% | -0.15% | 1.82% | -1.45% | -743 bps | |
| Loan Growth (YoY) | -2.20% | 1.11% | 3.77% | 2.01% | 3.38% | 1.46% | -0.32% | 0.12% | -189 bps | |
| Share Growth (YoY) | -7.13% | 3.88% | 1.26% | 5.31% | 5.54% | -1.62% | 0.38% | -3.33% | -863 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.04% | 0.04% | 0.04% | 0.00% | 0.02% | 0.01% | 0.04% | 0 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 | 11.22% | 11.07% | 11.44% | 11.69% | 12.07% | 12.72% | 12.77% | 13.49% | +181 bps | |
| Net Worth / Assets | 11.22% | 11.07% | 11.44% | 11.69% | 12.07% | 12.72% | 12.77% | 13.49% | +181 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 49.31% | 48.85% | 50.24% | 48.44% | 48.30% | 50.38% | 49.89% | 50.16% | +172 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |