Downey, CA · Charter 68457
NCUA · 15 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.17% | 0.15% | 0.08% | 0.09% | 0.23% | 0.27% | 0.75% | 0.85% | +76 bps | |
| Return on Equity | 1.91% | 1.68% | 0.91% | 1.04% | 2.50% | 3.00% | 8.29% | 8.99% | +795 bps | |
| Net Interest Margin | 2.13% | 2.15% | 2.19% | 2.34% | 2.53% | 2.53% | 2.66% | 2.65% | +30 bps | |
| Efficiency Ratio | 82.46% | 82.86% | 87.71% | 89.94% | 86.97% | 84.58% | 74.79% | 73.95% | -1,598 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.86% | -1.43% | -1.88% | 1.28% | -0.94% | -0.17% | -0.96% | -2.96% | -424 bps | |
| Loan Growth (YoY) | -4.99% | -7.22% | -5.60% | -2.29% | -5.41% | -2.45% | -3.37% | -9.82% | -753 bps | |
| Share Growth (YoY) | 7.97% | 5.23% | -0.21% | -2.71% | -9.81% | -8.52% | -5.36% | -1.92% | +80 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.52% | 0.39% | 0.31% | 0.24% | 0.26% | 0.67% | 0.82% | 0.70% | +46 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 | 8.94% | 8.77% | 8.68% | 8.76% | 9.03% | 8.88% | 9.03% | 9.50% | +74 bps | |
| Net Worth / Assets | 8.94% | 8.77% | 8.68% | 8.76% | 9.03% | 8.88% | 9.03% | 9.50% | +74 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 90.13% | 88.42% | 90.13% | 97.90% | 94.52% | 94.28% | 92.02% | 90.02% | -789 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |