El Centro, CA · Charter 68356
NCUA · 4 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.92% | 3.70% | 2.81% | -0.01% | 0.66% | -426 bps | |
| Return on Equity | 33.10% | 24.40% | 19.78% | -0.04% | 4.73% | -2,837 bps | |
| Net Interest Margin | 4.40% | 4.55% | 4.36% | 4.13% | 4.59% | +19 bps | |
| Efficiency Ratio | 45.95% | 49.76% | 53.75% | 82.16% | 74.20% | +2,824 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.06% | 6.51% | 7.00% | 3.95% | 11.18% | +311 bps | |
| Loan Growth (YoY) | 12.04% | 8.36% | 9.83% | 7.00% | 5.99% | -605 bps | |
| Share Growth (YoY) | 8.01% | 8.62% | 6.89% | 4.38% | 12.80% | +479 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.48% | 1.57% | 2.03% | 1.89% | 2.51% | +102 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.87% | 15.15% | 14.21% | 13.78% | 14.01% | -85 bps | |
| Net Worth / Assets | 14.87% | 15.15% | 14.21% | 13.78% | 14.01% | -85 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 91.28% | 98.62% | 90.35% | 84.81% | 85.77% | -550 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |