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Adelfi

San Dimas, CA · Charter 97068

NCUA · 1 branch

Q2 2026

$1.4BAssets
$1.0BLoans
$1.2BShares
$182.7MNet 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 1.03%, up 90 bps year over year; NIM at 3.64%.
  • Asset quality: problem loans at 0.87% of loans (+36 bps YoY).
  • Capital: net worth / assets of 12.85%, up 31 bps from a year ago.
  • Funding: loans stand at 84.58% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.03%+90 bps YoY

Net Interest Margin (quarter, annualized)

3.64%+52 bps YoY

Efficiency Ratio (quarter, annualized)

77.39%-840 bps YoY

Net Worth / Assets

12.85%+31 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.13%0.12%-0.39%1.46%1.03%+90 bps
Return on Equity1.03%0.98%-3.23%11.70%8.01%+698 bps
Net Interest Margin3.12%3.16%2.05%3.65%3.64%+52 bps
Efficiency Ratio85.79%87.40%106.40%73.62%77.39%-840 bps
Growth
Asset Growth (YoY)4.04%6.29%71.07%64.08%60.62%+5,657 bps
Loan Growth (YoY)0.77%-0.07%44.05%42.03%43.35%+4,258 bps
Share Growth (YoY)4.36%7.17%70.49%62.00%58.18%+5,382 bps
Asset Quality
Delinquent Loans / Loans0.51%0.58%0.74%0.62%0.87%+36 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 Capital12.54%12.70%12.22%12.51%12.85%+31 bps
Net Worth / Assets12.54%12.70%12.22%12.51%12.85%+31 bps
Liquidity & Funding
Loans / Shares93.33%94.22%84.50%82.60%84.58%-875 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps