Santa Ana, CA · Charter 68416
NCUA · 12 branches
Q3 2025
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 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.56% | 0.46% | 0.46% | 0.47% | 0.48% | 0.69% | 0.77% | 0.83% | +37 bps | |
| Return on Equity | 5.39% | 4.58% | 4.52% | 4.60% | 4.67% | 6.72% | 7.44% | 7.98% | +339 bps | |
| Net Interest Margin | 2.70% | 2.56% | 2.51% | 2.54% | 2.58% | 2.95% | 3.02% | 3.04% | +50 bps | |
| Efficiency Ratio | 79.18% | 79.29% | 79.04% | 78.22% | 77.39% | 66.92% | 66.75% | 67.66% | -1,056 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.45% | 6.04% | 7.81% | 7.28% | 5.97% | 4.17% | 3.96% | 5.00% | -227 bps | |
| Loan Growth (YoY) | 4.32% | 5.27% | 4.95% | 6.05% | 7.69% | 10.15% | 11.82% | 9.37% | +332 bps | |
| Share Growth (YoY) | 0.48% | 4.00% | 7.69% | 7.76% | 6.33% | 5.22% | 4.25% | 5.61% | -215 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.53% | 0.53% | 0.53% | 0.50% | 0.52% | 0.40% | 0.55% | 0.56% | +6 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 | 10.36% | 10.11% | 10.11% | 10.17% | 10.26% | 10.24% | 10.35% | 10.43% | +26 bps | |
| Net Worth / Assets | 10.36% | 10.11% | 10.11% | 10.17% | 10.26% | 10.24% | 10.35% | 10.43% | +26 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 89.87% | 87.37% | 87.28% | 89.79% | 91.01% | 91.46% | 93.62% | 92.99% | +320 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |