San Luis Obispo, CA · Charter 68741
NCUA · 7 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 | 0.54% | 0.52% | 0.23% | 0.35% | 0.47% | 0.55% | 0.40% | 0.53% | +18 bps | |
| Return on Equity | 5.61% | 5.42% | 2.49% | 3.72% | 4.93% | 5.79% | 4.33% | 5.61% | +188 bps | |
| Net Interest Margin | 3.44% | 3.43% | 3.50% | 3.58% | 3.66% | 3.66% | 3.85% | 3.90% | +31 bps | |
| Efficiency Ratio | 82.88% | 83.13% | 88.83% | 86.55% | 83.80% | 81.72% | 82.81% | 81.07% | -548 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | n/a | 0.05% | 3.60% | 5.37% | 6.43% | 7.14% | 6.36% | +276 bps | |
| Loan Growth (YoY) | n/a | n/a | -0.49% | 1.77% | 3.87% | 4.88% | 5.38% | 8.10% | +633 bps | |
| Share Growth (YoY) | n/a | n/a | 2.80% | 5.77% | 5.13% | 6.25% | 7.34% | 6.35% | +58 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.42% | 0.46% | 0.43% | 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 | 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 | 9.54% | 9.56% | 9.42% | 9.38% | 9.47% | 9.48% | 9.32% | 9.41% | +2 bps | |
| Net Worth / Assets | 9.54% | 9.56% | 9.42% | 9.38% | 9.47% | 9.48% | 9.32% | 9.41% | +2 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 83.38% | 82.88% | 81.38% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |