Brea, CA · Charter 68485
NCUA · 5 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 | 0.24% | 0.19% | -0.12% | 0.09% | 0.29% | 0.39% | 0.81% | 0.80% | +71 bps | |
| Return on Equity | 2.33% | 1.86% | -1.16% | 0.92% | 3.10% | 3.62% | 7.89% | 7.90% | +698 bps | |
| Net Interest Margin | 2.43% | 2.31% | 2.50% | 2.38% | 2.34% | 2.31% | 2.77% | 2.69% | +31 bps | |
| Efficiency Ratio | 83.87% | 83.44% | 93.91% | 87.96% | 80.79% | 74.95% | 67.50% | 66.24% | -2,172 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.12% | -0.14% | -2.75% | 5.72% | 15.20% | 23.91% | 32.59% | 29.16% | +2,344 bps | |
| Loan Growth (YoY) | -0.44% | -3.90% | -3.10% | 4.96% | 19.29% | 33.61% | 42.13% | 37.13% | +3,218 bps | |
| Share Growth (YoY) | 0.37% | 1.14% | -2.15% | 9.14% | 18.32% | 24.58% | 34.33% | 27.21% | +1,807 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.18% | 0.41% | 0.09% | 0.32% | 0.24% | 0.15% | 0.12% | 0.16% | -16 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 | 10.44% | 10.35% | 10.46% | 9.82% | 9.26% | 10.69% | 10.33% | 10.09% | +27 bps | |
| Net Worth / Assets | 10.44% | 10.35% | 10.46% | 9.82% | 9.26% | 10.69% | 10.33% | 10.09% | +27 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 93.77% | 90.64% | 91.26% | 91.42% | 94.55% | 97.21% | 96.55% | 98.55% | +713 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |