San Diego, CA · Charter 68377
NCUA · 7 branches
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 | 0.25% | 0.15% | 0.03% | 0.09% | 0.11% | 0.43% | 0.17% | 0.30% | +21 bps | |
| Return on Equity | 2.77% | 1.74% | 0.34% | 0.98% | 1.26% | 4.83% | 2.01% | 3.53% | +255 bps | |
| Net Interest Margin | 3.04% | 2.87% | 2.87% | 3.00% | 3.04% | 3.08% | 3.29% | 3.34% | +34 bps | |
| Efficiency Ratio | 91.08% | 92.84% | 101.59% | 96.74% | 94.93% | 86.60% | 87.19% | 83.62% | -1,312 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.83% | -1.04% | -0.77% | 0.77% | 3.04% | 3.25% | 7.41% | 9.90% | +913 bps | |
| Loan Growth (YoY) | 4.11% | 8.30% | 9.28% | 8.12% | 10.33% | 9.89% | 11.05% | 15.47% | +736 bps | |
| Share Growth (YoY) | -9.61% | -2.06% | -1.15% | 1.23% | 0.56% | -1.10% | 1.82% | 3.41% | +217 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.08% | 0.30% | 0.21% | 0.37% | 0.22% | 0.26% | 0.25% | 0.27% | -10 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 | 9.19% | 8.77% | 8.75% | 8.95% | 8.92% | 8.88% | 8.48% | 8.55% | -40 bps | |
| Net Worth / Assets | 9.19% | 8.77% | 8.75% | 8.95% | 8.92% | 8.88% | 8.48% | 8.55% | -40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 88.35% | 91.25% | 89.57% | 94.12% | 96.93% | 101.38% | 97.68% | 105.11% | +1,098 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |