Ventura, CA · Charter 68458
NCUA · 9 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 | 0.91% | 0.83% | 1.01% | 1.01% | 0.89% | 0.81% | 1.27% | 1.21% | +20 bps | |
| Return on Equity | 9.77% | 8.80% | 10.65% | 10.48% | 9.07% | 8.16% | 12.63% | 11.93% | +145 bps | |
| Net Interest Margin | 3.22% | 3.26% | 3.32% | 3.43% | 3.55% | 3.56% | 3.81% | 3.84% | +41 bps | |
| Efficiency Ratio | 71.59% | 72.30% | 67.44% | 68.31% | 70.55% | 71.66% | 67.88% | 66.38% | -193 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.00% | 4.71% | 5.83% | 2.63% | 1.19% | 1.96% | 1.52% | 2.20% | -43 bps | |
| Loan Growth (YoY) | 8.47% | 8.13% | 6.62% | 7.90% | 7.09% | 7.62% | 7.46% | 4.58% | -332 bps | |
| Share Growth (YoY) | 5.96% | 7.53% | 5.00% | 3.12% | 1.02% | 1.62% | 0.45% | 1.13% | -200 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.94% | 0.50% | 1.39% | 1.91% | 0.46% | 1.78% | 0.99% | 3.17% | +126 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 | 9.30% | 9.43% | 9.51% | 9.61% | 9.83% | 9.88% | 10.06% | 10.14% | +53 bps | |
| Net Worth / Assets | 9.30% | 9.43% | 9.51% | 9.61% | 9.83% | 9.88% | 10.06% | 10.14% | +53 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 73.15% | 73.97% | 72.65% | 75.61% | 77.54% | 78.34% | 77.73% | 78.19% | +258 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |