Redondo Beach, CA · Charter 95052
NCUA · 4 branches
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 | -0.31% | -0.56% | 0.33% | 0.28% | 0.32% | 0.45% | 0.13% | 0.10% | -17 bps | |
| Return on Equity | -3.32% | -6.21% | 3.59% | 2.93% | 3.35% | 4.77% | 1.42% | 1.13% | -180 bps | |
| Net Interest Margin | 3.25% | 3.29% | 3.50% | 3.69% | 3.70% | 3.63% | 3.58% | 3.66% | -4 bps | |
| Efficiency Ratio | 92.37% | 98.42% | 88.25% | 89.60% | 89.68% | 87.82% | 85.66% | 87.51% | -209 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.82% | 0.85% | -3.69% | -6.21% | -2.95% | -0.76% | 5.25% | 6.66% | +1,286 bps | |
| Loan Growth (YoY) | 5.97% | 2.17% | -0.65% | -2.10% | -0.59% | 0.56% | 0.03% | 3.36% | +547 bps | |
| Share Growth (YoY) | -4.63% | -2.61% | 0.14% | -1.46% | 4.38% | 7.00% | 8.97% | 7.60% | +905 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.65% | 0.71% | 0.47% | 0.45% | 0.49% | 0.56% | 0.60% | 0.48% | +3 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 | 9.29% | 8.95% | 9.14% | 9.54% | 9.48% | 9.47% | 9.07% | 9.30% | -23 bps | |
| Net Worth / Assets | 9.29% | 8.95% | 9.14% | 9.54% | 9.48% | 9.47% | 9.07% | 9.30% | -23 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 93.29% | 92.91% | 89.94% | 89.16% | 88.85% | 87.32% | 82.57% | 85.65% | -351 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 99.62% | 0.00% | 99.25% | 0.00% | 0.00% | 0.00% | 0 bps | |