PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Orange County's

Santa Ana, CA · Charter 68416

NCUA · 12 branches

Q3 2025

$2.9BAssets
$2.2BLoans
$2.4BShares
$298.5MNet 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 0.83%, up 37 bps year over year; NIM at 3.04%.
  • Asset quality: problem loans at 0.56% of loans (+6 bps YoY).
  • Capital: net worth / assets of 10.43%, up 26 bps from a year ago.
  • Funding: loans stand at 92.99% of shares as of Q3 2025.

Financial Results

Return on Assets (YTD, annualized)

0.83%+37 bps YoY

Net Interest Margin (YTD, annualized)

3.04%+50 bps YoY

Efficiency Ratio (YTD, annualized)

67.66%-1,056 bps YoY

Net Worth / Assets

10.43%+26 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025YoY ΔTrend
Earnings
Return on Assets0.47%0.48%0.69%0.77%0.83%+37 bps
Return on Equity4.60%4.67%6.72%7.44%7.98%+339 bps
Net Interest Margin2.54%2.58%2.95%3.02%3.04%+50 bps
Efficiency Ratio78.22%77.39%66.92%66.75%67.66%-1,056 bps
Growth
Asset Growth (YoY)7.28%5.97%4.17%3.96%5.00%-227 bps
Loan Growth (YoY)6.05%7.69%10.15%11.82%9.37%+332 bps
Share Growth (YoY)7.76%6.33%5.22%4.25%5.61%-215 bps
Asset Quality
Delinquent Loans / Loans0.50%0.52%0.40%0.55%0.56%+6 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 Capital10.17%10.26%10.24%10.35%10.43%+26 bps
Net Worth / Assets10.17%10.26%10.24%10.35%10.43%+26 bps
Liquidity & Funding
Loans / Shares89.79%91.01%91.46%93.62%92.99%+320 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps