PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Water and Power Community

Los Angeles, CA · Charter 68493

NCUA · 5 branches

Q2 2026

$1.0BAssets
$692.7MLoans
$826.2MShares
$103.9MNet 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 1.31%, up 84 bps year over year; NIM at 3.46%.
  • Asset quality: problem loans at 0.61% of loans (-18 bps YoY).
  • Capital: net worth / assets of 10.19%, up 92 bps from a year ago.
  • Funding: loans stand at 83.85% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.31%+84 bps YoY

Net Interest Margin (quarter, annualized)

3.46%+4 bps YoY

Efficiency Ratio (quarter, annualized)

68.30%-503 bps YoY

Net Worth / Assets

10.19%+92 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.48%0.49%0.53%0.67%1.31%+84 bps
Return on Equity5.14%5.46%5.79%7.33%12.91%+777 bps
Net Interest Margin3.42%3.31%3.45%3.54%3.46%+4 bps
Efficiency Ratio73.34%73.33%73.07%78.97%68.30%-503 bps
Growth
Asset Growth (YoY)1.54%4.21%2.83%1.00%6.62%+508 bps
Loan Growth (YoY)6.80%6.45%6.19%3.14%0.44%-636 bps
Share Growth (YoY)-0.84%0.25%0.91%-0.02%0.44%+128 bps
Asset Quality
Delinquent Loans / Loans0.79%0.81%0.72%0.59%0.61%-18 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 Capital9.26%9.00%9.18%9.17%10.19%+92 bps
Net Worth / Assets9.26%9.00%9.18%9.17%10.19%+92 bps
Liquidity & Funding
Loans / Shares83.84%84.93%86.76%83.79%83.85%0 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps