Oceanside, CA · Charter 68494
NCUA · 13 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 | 0.47% | 0.52% | 0.34% | 0.55% | 0.59% | 0.63% | 0.83% | 0.88% | +33 bps | |
| Return on Equity | 4.97% | 5.14% | 3.53% | 5.60% | 6.06% | 7.05% | 9.42% | 9.64% | +405 bps | |
| Net Interest Margin | 2.35% | 2.50% | 2.48% | 2.59% | 2.56% | 2.52% | 3.15% | 3.21% | +62 bps | |
| Efficiency Ratio | 80.90% | 80.16% | 79.79% | 77.58% | 77.59% | 76.94% | 76.73% | 76.36% | -122 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.27% | -1.50% | -4.23% | -3.85% | 1.95% | 20.67% | 19.77% | 18.53% | +2,238 bps | |
| Loan Growth (YoY) | 1.16% | 1.72% | 2.23% | 0.13% | -1.01% | 26.87% | 27.52% | 28.35% | +2,822 bps | |
| Share Growth (YoY) | -7.92% | -7.78% | -4.10% | -3.82% | 3.19% | 30.10% | 24.85% | 24.34% | +2,816 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.59% | 0.41% | 0.36% | 0.40% | 0.38% | 0.50% | 0.29% | 0.81% | +41 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 | 9.39% | 10.03% | 9.67% | 9.89% | 9.76% | 8.91% | 8.79% | 9.13% | -75 bps | |
| Net Worth / Assets | 9.39% | 10.03% | 9.67% | 9.89% | 9.76% | 8.91% | 8.79% | 9.13% | -75 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.30% | 86.54% | 82.05% | 82.88% | 81.83% | 84.39% | 83.80% | 85.54% | +267 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |