PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Ventura County

Ventura, CA · Charter 68458

NCUA · 9 branches

Q2 2026

$1.5BAssets
$1.0BLoans
$1.3BShares
$149.3MNet 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 1.21%, up 20 bps year over year; NIM at 3.84%.
  • Asset quality: problem loans at 3.17% of loans (+126 bps YoY).
  • Capital: net worth / assets of 10.14%, up 53 bps from a year ago.
  • Funding: loans stand at 78.19% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.21%+20 bps YoY

Net Interest Margin (YTD, annualized)

3.84%+41 bps YoY

Efficiency Ratio (YTD, annualized)

66.38%-193 bps YoY

Net Worth / Assets

10.14%+53 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.01%0.89%0.81%1.27%1.21%+20 bps
Return on Equity10.48%9.07%8.16%12.63%11.93%+145 bps
Net Interest Margin3.43%3.55%3.56%3.81%3.84%+41 bps
Efficiency Ratio68.31%70.55%71.66%67.88%66.38%-193 bps
Growth
Asset Growth (YoY)2.63%1.19%1.96%1.52%2.20%-43 bps
Loan Growth (YoY)7.90%7.09%7.62%7.46%4.58%-332 bps
Share Growth (YoY)3.12%1.02%1.62%0.45%1.13%-200 bps
Asset Quality
Delinquent Loans / Loans1.91%0.46%1.78%0.99%3.17%+126 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 Capital9.61%9.83%9.88%10.06%10.14%+53 bps
Net Worth / Assets9.61%9.83%9.88%10.06%10.14%+53 bps
Liquidity & Funding
Loans / Shares75.61%77.54%78.34%77.73%78.19%+258 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps