San Fernando, CA · Charter 9044
NCUA · 1 branch
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 | -0.51% | -0.82% | -1.70% | -1.57% | -1.25% | -1.04% | -1.18% | -1.32% | +25 bps | |
| Return on Equity | -1.89% | -3.05% | -6.36% | -5.86% | -4.62% | -3.85% | -4.37% | -4.99% | +87 bps | |
| Net Interest Margin | 2.77% | 2.39% | 2.49% | 2.55% | 2.73% | 2.66% | 2.52% | 2.47% | -8 bps | |
| Efficiency Ratio | 117.60% | 132.98% | 167.89% | 161.46% | 145.56% | 138.91% | 146.87% | 153.60% | -786 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.25% | -10.38% | -6.60% | -6.29% | -4.75% | -4.28% | -4.49% | -2.27% | +403 bps | |
| Loan Growth (YoY) | -25.21% | -26.44% | -27.10% | -24.73% | -33.78% | -35.96% | -30.23% | -30.17% | -543 bps | |
| Share Growth (YoY) | -12.32% | -13.30% | -8.02% | -6.91% | -4.93% | -4.66% | -5.15% | -1.96% | +495 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 2.63% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 0.52% | 0.56% | 0.61% | 0.68% | 0.78% | 0.88% | 0.88% | 0.98% | +29 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 27.03% | 26.91% | 26.70% | 26.84% | 27.03% | 27.07% | 27.05% | 26.56% | -28 bps | |
| Net Worth / Assets | 27.03% | 26.91% | 26.70% | 26.84% | 27.03% | 27.07% | 27.05% | 26.56% | -28 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 10.85% | 10.10% | 9.29% | 8.54% | 7.56% | 6.78% | 6.83% | 6.08% | -246 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |