Long Beach, CA · Charter 68460
NCUA · 8 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 | 0.43% | 0.43% | 0.35% | 0.38% | 0.49% | 0.57% | 0.86% | 0.74% | +36 bps | |
| Return on Equity | 3.25% | 3.20% | 2.67% | 2.92% | 3.68% | 4.34% | 6.51% | 5.67% | +275 bps | |
| Net Interest Margin | 2.27% | 2.28% | 2.22% | 2.36% | 2.44% | 2.48% | 2.79% | 2.83% | +47 bps | |
| Efficiency Ratio | 73.30% | 72.41% | 72.42% | 70.74% | 69.04% | 66.85% | 63.24% | 64.17% | -656 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.99% | 3.72% | 1.66% | 1.63% | 4.32% | 6.30% | 4.99% | 5.03% | +340 bps | |
| Loan Growth (YoY) | -8.37% | -7.34% | -2.22% | 4.70% | 7.53% | 9.58% | 8.23% | 5.28% | +58 bps | |
| Share Growth (YoY) | 1.92% | 3.98% | 4.52% | 4.62% | 5.16% | 5.43% | 4.93% | 4.74% | +12 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.47% | 0.52% | 0.40% | 0.46% | 0.51% | 0.61% | 0.36% | 0.61% | +15 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 | 13.32% | 13.32% | 13.13% | 13.09% | 13.19% | 13.05% | 13.15% | 13.11% | +2 bps | |
| Net Worth / Assets | 13.32% | 13.32% | 13.13% | 13.09% | 13.19% | 13.05% | 13.15% | 13.11% | +2 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 60.64% | 59.01% | 58.97% | 61.23% | 62.00% | 61.33% | 60.83% | 61.55% | +32 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |