Aliso Viejo, CA · Charter 8611
NCUA · 1 branch
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 | 0.16% | 0.10% | -0.09% | 0.01% | 0.02% | 0.05% | -0.23% | -0.03% | -3 bps | |
| Return on Equity | 1.33% | 0.81% | -0.79% | 0.05% | 0.15% | 0.43% | -1.98% | -0.21% | -25 bps | |
| Net Interest Margin | 2.36% | 2.37% | 2.09% | 2.21% | 2.27% | 2.35% | 2.46% | 2.87% | +66 bps | |
| Efficiency Ratio | 94.32% | 95.49% | 103.63% | 99.78% | 99.26% | 98.07% | 99.66% | 94.60% | -518 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.25% | -4.05% | 1.11% | -2.58% | -0.60% | 0.06% | -1.31% | -5.61% | -303 bps | |
| Loan Growth (YoY) | -3.31% | -2.00% | -3.48% | -5.43% | 10.20% | 12.76% | 9.34% | 6.63% | +1,205 bps | |
| Share Growth (YoY) | -4.11% | -5.39% | 0.15% | -5.92% | -2.02% | -1.25% | -1.28% | -4.30% | +163 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.06% | 0.08% | 0.05% | 0.00% | 0.06% | 0.07% | 0.17% | 1.69% | +169 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 | 11.93% | 12.11% | 11.61% | 12.02% | 11.96% | 12.13% | 11.72% | 12.75% | +72 bps | |
| Net Worth / Assets | 11.93% | 12.11% | 11.61% | 12.02% | 11.96% | 12.13% | 11.72% | 12.75% | +72 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 38.84% | 40.11% | 38.17% | 40.27% | 43.68% | 45.80% | 42.28% | 44.86% | +459 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |