PackageTrendsPeer
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Matadors Community

Northridge, CA · Charter 68483

NCUA · 1 branch

Q2 2026

$356.1MAssets
$281.3MLoans
$312.8MShares
$41.6MNet 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 0.35%, up 8 bps year over year; NIM at 3.12%.
  • Asset quality: problem loans at 0.34% of loans (+15 bps YoY).
  • Capital: net worth / assets of 11.67%, up 69 bps from a year ago.
  • Funding: loans stand at 89.93% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.35%+8 bps YoY

Net Interest Margin (quarter, annualized)

3.12%+23 bps YoY

Efficiency Ratio (quarter, annualized)

76.01%+49 bps YoY

Net Worth / Assets

11.67%+69 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.27%0.32%0.34%0.40%0.35%+8 bps
Return on Equity2.41%2.91%3.02%3.50%2.98%+57 bps
Net Interest Margin2.89%2.96%3.01%3.08%3.12%+23 bps
Efficiency Ratio75.52%74.80%75.55%74.84%76.01%+49 bps
Growth
Asset Growth (YoY)3.70%0.55%0.92%-2.13%-2.92%-663 bps
Loan Growth (YoY)1.23%0.04%1.61%0.02%0.61%-62 bps
Share Growth (YoY)7.49%3.62%0.61%-2.79%-3.52%-1,101 bps
Asset Quality
Delinquent Loans / Loans0.19%0.19%0.27%0.21%0.34%+15 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 Capital10.98%11.11%11.25%11.48%11.67%+69 bps
Net Worth / Assets10.98%11.11%11.25%11.48%11.67%+69 bps
Liquidity & Funding
Loans / Shares86.23%84.91%88.42%88.70%89.93%+369 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps