PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Southland

Los Alamitos, CA · Charter 68415

NCUA · 10 branches

Q2 2026

$1.3BAssets
$869.7MLoans
$1.1BShares
$111.3MNet 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 0.32%, up 29 bps year over year; NIM at 3.12%.
  • Asset quality: problem loans at 1.48% of loans (+29 bps YoY).
  • Capital: net worth / assets of 8.51%, down 3 bps from a year ago.
  • Funding: loans stand at 82.71% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.32%+29 bps YoY

Net Interest Margin (YTD, annualized)

3.12%+15 bps YoY

Efficiency Ratio (YTD, annualized)

79.35%-449 bps YoY

Net Worth / Assets

8.51%-3 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.03%0.16%0.18%0.46%0.32%+29 bps
Return on Equity0.36%1.91%2.21%5.40%3.79%+343 bps
Net Interest Margin2.97%2.98%2.92%3.13%3.12%+15 bps
Efficiency Ratio83.84%81.45%81.06%78.69%79.35%-449 bps
Growth
Asset Growth (YoY)3.77%3.61%4.27%1.57%3.21%-57 bps
Loan Growth (YoY)3.38%1.43%2.75%5.03%-2.96%-634 bps
Share Growth (YoY)5.12%5.15%4.90%-3.31%-4.01%-913 bps
Asset Quality
Delinquent Loans / Loans1.18%0.95%0.79%0.49%1.48%+29 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 Capital8.54%8.55%8.30%8.56%8.51%-3 bps
Net Worth / Assets8.54%8.55%8.30%8.56%8.51%-3 bps
Liquidity & Funding
Loans / Shares81.81%81.50%80.14%87.00%82.71%+90 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps