Pasadena, CA · Charter 68503
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 | 0.53% | 0.47% | 0.28% | 0.40% | 0.34% | 0.35% | 0.41% | 0.44% | +4 bps | |
| Return on Equity | 3.94% | 3.40% | 2.08% | 2.94% | 2.54% | 2.59% | 3.07% | 3.24% | +30 bps | |
| Net Interest Margin | 2.90% | 3.00% | 2.91% | 3.03% | 3.11% | 3.14% | 3.24% | 3.31% | +29 bps | |
| Efficiency Ratio | 76.17% | 76.16% | 83.05% | 81.46% | 81.42% | 81.97% | 78.54% | 80.19% | -127 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.56% | -2.01% | 1.64% | 4.71% | 2.15% | 5.52% | 2.72% | 1.85% | -286 bps | |
| Loan Growth (YoY) | 1.69% | 6.11% | 6.75% | 6.75% | 11.54% | 7.33% | 10.66% | 11.57% | +481 bps | |
| Share Growth (YoY) | 0.26% | 0.55% | 4.24% | 3.99% | 1.63% | 4.11% | 1.34% | 0.87% | -312 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.70% | 0.58% | 0.48% | 0.61% | 0.32% | 0.42% | 0.56% | 0.58% | -3 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 | 13.54% | 13.87% | 13.35% | 13.42% | 13.54% | 13.46% | 13.35% | 13.52% | +10 bps | |
| Net Worth / Assets | 13.54% | 13.87% | 13.35% | 13.42% | 13.54% | 13.46% | 13.35% | 13.52% | +10 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 50.40% | 53.62% | 51.17% | 51.52% | 55.32% | 55.28% | 55.88% | 56.99% | +547 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |