PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Mid-Cities

Compton, CA · Charter 95073

NCUA · 2 branches

Q2 2026

$16.0MAssets
$5.2MLoans
$14.6MShares
$1.1MNet 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 0.01%, up 21 bps year over year; NIM at 4.47%.
  • Asset quality: problem loans at 0.69% of loans (-241 bps YoY).
  • Capital: net worth / assets of 7.11%, down 64 bps from a year ago.
  • Funding: loans stand at 35.67% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.01%+21 bps YoY

Net Interest Margin (quarter, annualized)

4.47%0 bps YoY

Efficiency Ratio (quarter, annualized)

100.66%+865 bps YoY

Net Worth / Assets

7.11%-64 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.20%-0.62%-0.84%0.01%0.01%+21 bps
Return on Equity-2.58%-8.09%-11.60%0.21%0.20%+278 bps
Net Interest Margin4.46%4.62%4.62%4.48%4.47%0 bps
Efficiency Ratio92.01%94.26%96.50%97.16%100.66%+865 bps
Growth
Asset Growth (YoY)-12.29%-12.15%-10.49%-4.25%-3.08%+921 bps
Loan Growth (YoY)-24.02%-20.41%-19.18%-19.26%4.84%+2,886 bps
Share Growth (YoY)-11.60%-11.77%-9.86%-4.59%-3.38%+823 bps
Asset Quality
Delinquent Loans / Loans3.10%2.98%2.87%1.27%0.69%-241 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 Capital7.75%7.71%7.22%6.97%7.11%-64 bps
Net Worth / Assets7.75%7.71%7.22%6.97%7.11%-64 bps
Liquidity & Funding
Loans / Shares32.88%33.88%32.71%29.23%35.67%+279 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps