San Luis Obispo, CA · Charter 68741
NCUA · 7 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.35% | 0.47% | 0.55% | 0.40% | 0.53% | +18 bps | |
| Return on Equity | 3.72% | 4.93% | 5.79% | 4.33% | 5.61% | +188 bps | |
| Net Interest Margin | 3.58% | 3.66% | 3.66% | 3.85% | 3.90% | +31 bps | |
| Efficiency Ratio | 86.55% | 83.80% | 81.72% | 82.81% | 81.07% | -548 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.60% | 5.37% | 6.43% | 7.14% | 6.36% | +276 bps | |
| Loan Growth (YoY) | 1.77% | 3.87% | 4.88% | 5.38% | 8.10% | +633 bps | |
| Share Growth (YoY) | 5.77% | 5.13% | 6.25% | 7.34% | 6.35% | +58 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.53% | 0.56% | 0.67% | 0.50% | 0.40% | -13 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.38% | 9.47% | 9.48% | 9.32% | 9.41% | +2 bps | |
| Net Worth / Assets | 9.38% | 9.47% | 9.48% | 9.32% | 9.41% | +2 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 81.85% | 82.37% | 81.81% | 79.90% | 83.19% | +135 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |