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Financial Partners

Downey, CA · Charter 68457

NCUA · 15 branches

Q2 2026

$2.2BAssets
$1.6BLoans
$1.8BShares
$208.0MNet 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 0.85%, up 76 bps year over year; NIM at 2.65%.
  • Asset quality: problem loans at 0.70% of loans (+46 bps YoY).
  • Capital: net worth / assets of 9.50%, up 74 bps from a year ago.
  • Funding: loans stand at 90.02% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.85%+76 bps YoY

Net Interest Margin (quarter, annualized)

2.65%+30 bps YoY

Efficiency Ratio (quarter, annualized)

73.95%-1,598 bps YoY

Net Worth / Assets

9.50%+74 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.09%0.23%0.27%0.75%0.85%+76 bps
Return on Equity1.04%2.50%3.00%8.29%8.99%+795 bps
Net Interest Margin2.34%2.53%2.53%2.66%2.65%+30 bps
Efficiency Ratio89.94%86.97%84.58%74.79%73.95%-1,598 bps
Growth
Asset Growth (YoY)1.28%-0.94%-0.17%-0.96%-2.96%-424 bps
Loan Growth (YoY)-2.29%-5.41%-2.45%-3.37%-9.82%-753 bps
Share Growth (YoY)-2.71%-9.81%-8.52%-5.36%-1.92%+80 bps
Asset Quality
Delinquent Loans / Loans0.24%0.26%0.67%0.82%0.70%+46 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 Capital8.76%9.03%8.88%9.03%9.50%+74 bps
Net Worth / Assets8.76%9.03%8.88%9.03%9.50%+74 bps
Liquidity & Funding
Loans / Shares97.90%94.52%94.28%92.02%90.02%-789 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps