Whittier, CA · Charter 68456
NCUA · 25 branches
Q3 2025
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.16% | 1.16% | 0.75% | 0.90% | 0.93% | -23 bps | |
| Return on Equity | 11.19% | 9.43% | 6.44% | 7.59% | 7.98% | -321 bps | |
| Net Interest Margin | 2.54% | 2.99% | 2.75% | 3.01% | 3.00% | +46 bps | |
| Efficiency Ratio | 62.49% | 65.24% | 73.37% | 71.81% | 70.91% | +842 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 17.41% | -2.17% | -2.76% | 3.07% | 6.74% | -1,067 bps | |
| Loan Growth (YoY) | 0.92% | -0.28% | 21.14% | 22.73% | 24.00% | +2,307 bps | |
| Share Growth (YoY) | -2.23% | -1.87% | 22.11% | 24.99% | 31.54% | +3,377 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.55% | 0.63% | 0.53% | 0.50% | 0.53% | -3 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.34% | 12.34% | 11.71% | 11.80% | 11.62% | +129 bps | |
| Net Worth / Assets | 10.34% | 12.34% | 11.71% | 11.80% | 11.62% | +129 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 73.80% | 73.32% | 71.09% | 72.01% | 69.57% | -423 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |