PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Cabrillo

San Diego, CA · Charter 68409

NCUA · 5 branches

Q2 2026

$573.5MAssets
$412.7MLoans
$511.2MShares
$54.4MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.46%, down 32 bps year over year; NIM at 3.95%.
  • Asset quality: problem loans at 0.92% of loans (+63 bps YoY).
  • Capital: net worth / assets of 9.49%, down 22 bps from a year ago.
  • Funding: loans stand at 80.73% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.46%-32 bps YoY

Net Interest Margin (quarter, annualized)

3.95%+62 bps YoY

Efficiency Ratio (quarter, annualized)

76.98%+442 bps YoY

Net Worth / Assets

9.49%-22 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.78%0.70%0.65%0.44%0.46%-32 bps
Return on Equity8.01%7.38%6.99%4.70%4.79%-322 bps
Net Interest Margin3.33%3.34%3.28%3.86%3.95%+62 bps
Efficiency Ratio72.56%73.93%74.13%82.19%76.98%+442 bps
Growth
Asset Growth (YoY)28.71%32.88%41.50%12.62%8.97%-1,975 bps
Loan Growth (YoY)30.76%39.19%54.49%47.94%37.85%+709 bps
Share Growth (YoY)30.97%36.43%41.83%12.62%8.64%-2,233 bps
Asset Quality
Delinquent Loans / Loans0.29%0.41%0.75%0.66%0.92%+63 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.71%9.54%9.24%9.33%9.49%-22 bps
Net Worth / Assets9.71%9.54%9.24%9.33%9.49%-22 bps
Liquidity & Funding
Loans / Shares63.62%65.59%72.87%78.49%80.73%+1,710 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps