Los Alamitos, CA · Charter 68415
NCUA · 10 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 | -0.06% | -0.32% | -0.14% | 0.03% | 0.16% | 0.18% | 0.46% | 0.32% | +29 bps | |
| Return on Equity | -0.75% | -4.01% | -1.70% | 0.36% | 1.91% | 2.21% | 5.40% | 3.79% | +343 bps | |
| Net Interest Margin | 2.75% | 2.73% | 2.91% | 2.97% | 2.98% | 2.92% | 3.13% | 3.12% | +15 bps | |
| Efficiency Ratio | 84.06% | 86.95% | 83.70% | 83.84% | 81.45% | 81.06% | 78.69% | 79.35% | -449 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.31% | 9.81% | 8.91% | 3.77% | 3.61% | 4.27% | 1.57% | 3.21% | -57 bps | |
| Loan Growth (YoY) | 13.28% | 12.39% | 10.36% | 3.38% | 1.43% | 2.75% | 5.03% | -2.96% | -634 bps | |
| Share Growth (YoY) | 10.17% | 11.18% | 10.26% | 5.12% | 5.15% | 4.90% | -3.31% | -4.01% | -913 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.49% | 0.55% | 0.59% | 1.18% | 0.95% | 0.79% | 0.49% | 1.48% | +29 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 | 8.51% | 7.97% | 8.46% | 8.54% | 8.55% | 8.30% | 8.56% | 8.51% | -3 bps | |
| Net Worth / Assets | 8.51% | 7.97% | 8.46% | 8.54% | 8.55% | 8.30% | 8.56% | 8.51% | -3 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 84.48% | 81.81% | 80.10% | 81.81% | 81.50% | 80.14% | 87.00% | 82.71% | +90 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |