San Diego, CA · Charter 68409
NCUA · 5 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 | 1.32% | 1.24% | 0.46% | 0.78% | 0.70% | 0.65% | 0.44% | 0.46% | -32 bps | |
| Return on Equity | 13.22% | 11.90% | 4.74% | 8.01% | 7.38% | 6.99% | 4.70% | 4.79% | -322 bps | |
| Net Interest Margin | 3.44% | 3.57% | 3.35% | 3.33% | 3.34% | 3.28% | 3.86% | 3.95% | +62 bps | |
| Efficiency Ratio | 72.53% | 73.27% | 75.82% | 72.56% | 73.93% | 74.13% | 82.19% | 76.98% | +442 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.04% | 1.38% | 22.13% | 28.71% | 32.88% | 41.50% | 12.62% | 8.97% | -1,975 bps | |
| Loan Growth (YoY) | 1.78% | 4.99% | 19.38% | 30.76% | 39.19% | 54.49% | 47.94% | 37.85% | +709 bps | |
| Share Growth (YoY) | 0.56% | 4.49% | 24.51% | 30.97% | 36.43% | 41.83% | 12.62% | 8.64% | -2,233 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.23% | 0.38% | 0.16% | 0.29% | 0.41% | 0.75% | 0.66% | 0.92% | +63 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 | 10.02% | 10.41% | 9.78% | 9.71% | 9.54% | 9.24% | 9.33% | 9.49% | -22 bps | |
| Net Worth / Assets | 10.02% | 10.41% | 9.78% | 9.71% | 9.54% | 9.24% | 9.33% | 9.49% | -22 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.29% | 66.90% | 59.75% | 63.62% | 65.59% | 72.87% | 78.49% | 80.73% | +1,710 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |