San Dimas, CA · Charter 97068
NCUA · 1 branch
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 | 0.45% | 0.31% | 0.12% | 0.13% | 0.12% | -0.39% | 1.46% | 1.03% | +90 bps | |
| Return on Equity | 3.32% | 2.37% | 0.97% | 1.03% | 0.98% | -3.23% | 11.70% | 8.01% | +698 bps | |
| Net Interest Margin | 3.29% | 3.20% | 3.14% | 3.12% | 3.16% | 2.05% | 3.65% | 3.64% | +52 bps | |
| Efficiency Ratio | 84.00% | 85.47% | 87.42% | 85.79% | 87.40% | 106.40% | 73.62% | 77.39% | -840 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.04% | -1.27% | 3.36% | 4.04% | 6.29% | 71.07% | 64.08% | 60.62% | +5,657 bps | |
| Loan Growth (YoY) | 1.27% | 2.06% | 1.64% | 0.77% | -0.07% | 44.05% | 42.03% | 43.35% | +4,258 bps | |
| Share Growth (YoY) | -4.19% | -1.94% | 3.56% | 4.36% | 7.17% | 70.49% | 62.00% | 58.18% | +5,382 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.34% | 0.69% | 0.37% | 0.51% | 0.58% | 0.74% | 0.62% | 0.87% | +36 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 | 13.44% | 13.18% | 12.58% | 12.54% | 12.70% | 12.22% | 12.51% | 12.85% | +31 bps | |
| Net Worth / Assets | 13.44% | 13.18% | 12.58% | 12.54% | 12.70% | 12.22% | 12.51% | 12.85% | +31 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 101.04% | 100.00% | 94.21% | 93.33% | 94.22% | 84.50% | 82.60% | 84.58% | -875 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |