Whittier, CA · Charter 68456
NCUA · 25 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 | 0.95% | 1.61% | 1.29% | 1.16% | 1.16% | 0.75% | 0.90% | 0.93% | -23 bps | |
| Return on Equity | 8.62% | 16.88% | 12.73% | 11.19% | 9.43% | 6.44% | 7.59% | 7.98% | -321 bps | |
| Net Interest Margin | 2.75% | 2.33% | 2.51% | 2.54% | 2.99% | 2.75% | 3.01% | 3.00% | +46 bps | |
| Efficiency Ratio | 69.13% | 55.23% | 60.29% | 62.49% | 65.24% | 73.37% | 71.81% | 70.91% | +842 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.58% | 28.15% | 14.06% | 17.41% | -2.17% | -2.76% | 3.07% | 6.74% | -1,067 bps | |
| Loan Growth (YoY) | 9.27% | 6.97% | 2.39% | 0.92% | -0.28% | 21.14% | 22.73% | 24.00% | +2,307 bps | |
| Share Growth (YoY) | 8.75% | -0.81% | -4.09% | -2.23% | -1.87% | 22.11% | 24.99% | 31.54% | +3,377 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.66% | 0.62% | 0.57% | 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 | 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 | 11.06% | 9.52% | 10.14% | 10.34% | 12.34% | 11.71% | 11.80% | 11.62% | +129 bps | |
| Net Worth / Assets | 11.06% | 9.52% | 10.14% | 10.34% | 12.34% | 11.71% | 11.80% | 11.62% | +129 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.15% | 71.66% | 73.33% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |