PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Certified

El Monte, CA · Charter 9230

NCUA · 10 branches

Q2 2026

$925.3MAssets
$585.4MLoans
$723.9MShares
$191.6MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.24%, down 6 bps year over year; NIM at 3.93%.
  • Asset quality: problem loans at 0.37% of loans (-4 bps YoY).
  • Capital: net worth / assets of 20.71%, up 49 bps from a year ago.
  • Funding: loans stand at 80.86% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.24%-6 bps YoY

Net Interest Margin (YTD, annualized)

3.93%+16 bps YoY

Efficiency Ratio (YTD, annualized)

65.63%-12 bps YoY

Net Worth / Assets

20.71%+49 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.30%1.33%1.27%1.25%1.24%-6 bps
Return on Equity6.43%6.47%6.19%6.10%6.00%-43 bps
Net Interest Margin3.77%3.81%3.84%3.89%3.93%+16 bps
Efficiency Ratio65.74%65.65%66.35%64.91%65.63%-12 bps
Growth
Asset Growth (YoY)13.71%14.85%3.60%2.83%3.28%-1,043 bps
Loan Growth (YoY)9.69%11.44%0.11%1.55%3.31%-638 bps
Share Growth (YoY)14.21%15.89%2.86%1.82%2.72%-1,149 bps
Asset Quality
Delinquent Loans / Loans0.41%0.51%0.57%0.42%0.37%-4 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital20.22%20.51%20.58%20.52%20.71%+49 bps
Net Worth / Assets20.22%20.51%20.58%20.52%20.71%+49 bps
Liquidity & Funding
Loans / Shares80.40%80.73%80.54%79.20%80.86%+46 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps