Monterey, CA · Charter 97071
NCUA · 5 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 | -1.06% | -1.01% | -1.77% | -1.25% | -0.94% | -0.79% | -0.92% | -0.18% | +107 bps | |
| Return on Equity | -9.61% | -9.06% | -17.57% | -13.42% | -10.17% | -8.77% | -10.60% | -2.08% | +1,134 bps | |
| Net Interest Margin | 2.67% | 2.87% | 2.65% | 2.76% | 2.96% | 3.01% | 3.32% | 3.42% | +66 bps | |
| Efficiency Ratio | 120.01% | 115.93% | 142.50% | 122.93% | 113.43% | 108.18% | 106.64% | 89.20% | -3,372 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.38% | 8.47% | 8.44% | 12.95% | 7.37% | 13.26% | 6.65% | 2.00% | -1,095 bps | |
| Loan Growth (YoY) | 15.14% | 14.76% | 9.06% | 20.08% | 14.52% | 15.73% | 13.55% | 3.40% | -1,668 bps | |
| Share Growth (YoY) | 19.87% | 15.29% | 10.22% | 8.17% | 4.67% | 10.47% | 9.11% | -1.18% | -935 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.87% | 0.58% | 0.59% | 0.61% | 0.72% | 1.06% | 0.99% | 0.97% | +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 | 11.05% | 11.16% | 10.07% | 9.33% | 9.27% | 9.05% | 8.70% | 8.75% | -58 bps | |
| Net Worth / Assets | 11.05% | 11.16% | 10.07% | 9.33% | 9.27% | 9.05% | 8.70% | 8.75% | -58 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 73.99% | 77.62% | 78.09% | 83.66% | 80.95% | 81.31% | 81.26% | 87.54% | +388 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |