El Centro, CA · Charter 68356
NCUA · 4 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.49% | 1.05% | 2.14% | 4.92% | 3.70% | 2.81% | -0.01% | 0.66% | -426 bps | |
| Return on Equity | 11.11% | 8.50% | 17.52% | 33.10% | 24.40% | 19.78% | -0.04% | 4.73% | -2,837 bps | |
| Net Interest Margin | 4.29% | 4.07% | 3.86% | 4.40% | 4.55% | 4.36% | 4.13% | 4.59% | +19 bps | |
| Efficiency Ratio | 66.59% | 66.47% | 66.49% | 45.95% | 49.76% | 53.75% | 82.16% | 74.20% | +2,824 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.25% | 12.06% | 13.60% | 8.06% | 6.51% | 7.00% | 3.95% | 11.18% | +311 bps | |
| Loan Growth (YoY) | 13.66% | 10.60% | 11.39% | 12.04% | 8.36% | 9.83% | 7.00% | 5.99% | -605 bps | |
| Share Growth (YoY) | 1.66% | 12.51% | 13.86% | 8.01% | 8.62% | 6.89% | 4.38% | 12.80% | +479 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.99% | 1.39% | 1.45% | 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 | 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 | 13.40% | 12.40% | 12.22% | 14.87% | 15.15% | 14.21% | 13.78% | 14.01% | -85 bps | |
| Net Worth / Assets | 13.40% | 12.40% | 12.22% | 14.87% | 15.15% | 14.21% | 13.78% | 14.01% | -85 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 98.86% | 87.93% | 82.72% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |