El Monte, CA · Charter 95072
NCUA · 2 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 | 0.67% | 0.78% | 0.87% | 1.06% | 1.18% | 1.31% | 0.57% | 0.74% | -33 bps | |
| Return on Equity | 7.60% | 8.33% | 9.23% | 10.83% | 11.69% | 11.94% | 5.32% | 7.06% | -377 bps | |
| Net Interest Margin | 3.15% | 3.39% | 3.81% | 3.94% | 4.05% | 4.36% | 4.38% | 4.33% | +38 bps | |
| Efficiency Ratio | 84.41% | 82.95% | 80.29% | 78.24% | 75.51% | 73.30% | 84.47% | 80.44% | +220 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.66% | 5.86% | -1.35% | -1.40% | -1.96% | -2.93% | -0.36% | 4.50% | +590 bps | |
| Loan Growth (YoY) | 28.04% | 17.01% | 18.01% | 10.62% | 5.87% | 7.34% | 7.50% | 12.51% | +188 bps | |
| Share Growth (YoY) | 4.23% | 4.65% | -2.67% | -3.01% | -2.25% | -4.72% | -1.82% | 3.60% | +661 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.06% | 0.06% | 0.11% | 0.12% | 0.18% | 0.29% | 0.21% | 0.06% | -6 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 | 8.82% | 9.40% | 9.47% | 9.82% | 10.12% | 10.98% | 10.67% | 10.44% | +62 bps | |
| Net Worth / Assets | 8.82% | 9.40% | 9.47% | 9.82% | 10.12% | 10.98% | 10.67% | 10.44% | +62 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 52.62% | 55.26% | 54.35% | 54.93% | 56.99% | 62.26% | 59.51% | 59.65% | +472 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |