PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

El Monte Community

El Monte, CA · Charter 95072

NCUA · 2 branches

Q2 2026

$34.4MAssets
$18.1MLoans
$30.3MShares
$3.6MNet 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 0.74%, down 33 bps year over year; NIM at 4.33%.
  • Asset quality: problem loans at 0.06% of loans (-6 bps YoY).
  • Capital: net worth / assets of 10.44%, up 62 bps from a year ago.
  • Funding: loans stand at 59.65% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.74%-33 bps YoY

Net Interest Margin (quarter, annualized)

4.33%+38 bps YoY

Efficiency Ratio (quarter, annualized)

80.44%+220 bps YoY

Net Worth / Assets

10.44%+62 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.06%1.18%1.31%0.57%0.74%-33 bps
Return on Equity10.83%11.69%11.94%5.32%7.06%-377 bps
Net Interest Margin3.94%4.05%4.36%4.38%4.33%+38 bps
Efficiency Ratio78.24%75.51%73.30%84.47%80.44%+220 bps
Growth
Asset Growth (YoY)-1.40%-1.96%-2.93%-0.36%4.50%+590 bps
Loan Growth (YoY)10.62%5.87%7.34%7.50%12.51%+188 bps
Share Growth (YoY)-3.01%-2.25%-4.72%-1.82%3.60%+661 bps
Asset Quality
Delinquent Loans / Loans0.12%0.18%0.29%0.21%0.06%-6 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 Capital9.82%10.12%10.98%10.67%10.44%+62 bps
Net Worth / Assets9.82%10.12%10.98%10.67%10.44%+62 bps
Liquidity & Funding
Loans / Shares54.93%56.99%62.26%59.51%59.65%+472 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps