Oxnard, CA · Charter 7608
NCUA · 5 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.02% | 0.12% | -0.76% | -0.40% | -0.34% | -0.24% | 0.16% | 0.12% | +52 bps | |
| Return on Equity | 0.29% | 1.52% | -10.25% | -5.29% | -4.49% | -3.21% | 2.10% | 1.62% | +692 bps | |
| Net Interest Margin | 2.30% | 2.25% | 1.90% | 2.04% | 2.12% | 2.15% | 2.42% | 2.38% | +34 bps | |
| Efficiency Ratio | 93.63% | 90.63% | 119.21% | 106.40% | 104.26% | 100.66% | 89.82% | 92.34% | -1,406 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.83% | 3.15% | 2.84% | 0.33% | -0.39% | 0.19% | -1.67% | 1.44% | +111 bps | |
| Loan Growth (YoY) | -2.32% | 0.21% | 2.28% | 3.71% | 7.67% | 7.86% | 6.89% | 7.89% | +417 bps | |
| Share Growth (YoY) | 1.14% | 3.88% | 4.36% | 1.76% | 1.14% | 0.46% | -1.99% | 0.73% | -103 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.41% | 1.06% | 0.45% | 0.72% | 0.37% | 0.35% | 0.29% | 0.48% | -24 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 | 7.79% | 7.83% | 7.46% | 7.59% | 7.60% | 7.50% | 7.51% | 7.44% | -15 bps | |
| Net Worth / Assets | 7.79% | 7.83% | 7.46% | 7.59% | 7.60% | 7.50% | 7.51% | 7.44% | -15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 100.51% | 100.52% | 99.87% | 101.96% | 107.00% | 107.91% | 108.92% | 109.20% | +724 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |