Seal Beach, CA · Charter 7817
NCUA · 3 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.05% | -0.96% | -0.97% | -0.67% | -0.69% | +36 bps | |
| Return on Equity | -4.35% | -3.98% | -4.05% | -2.83% | -2.93% | +142 bps | |
| Net Interest Margin | 1.80% | 1.89% | 1.98% | 2.28% | 2.32% | +52 bps | |
| Efficiency Ratio | 131.28% | 126.56% | 125.45% | 109.93% | 111.64% | -1,964 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.39% | -3.19% | -3.45% | -3.05% | -0.48% | +191 bps | |
| Loan Growth (YoY) | 8.07% | 8.22% | 10.81% | 9.60% | -5.18% | -1,324 bps | |
| Share Growth (YoY) | -2.51% | -3.21% | -4.12% | -3.33% | 0.17% | +268 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.31% | 0.22% | 2.75% | 1.84% | 1.87% | +156 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 | 24.07% | 24.11% | 24.02% | 23.70% | 23.39% | -67 bps | |
| Net Worth / Assets | 24.07% | 24.11% | 24.02% | 23.70% | 23.39% | -67 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 52.43% | 52.17% | 54.29% | 52.74% | 49.64% | -280 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |