Redlands, CA · Charter 9778
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.81% | 1.94% | 1.20% | 1.57% | 1.50% | -31 bps | |
| Return on Equity | 6.92% | 7.24% | 4.86% | 6.36% | 5.91% | -102 bps | |
| Net Interest Margin | 4.46% | 4.51% | 3.79% | 4.22% | 4.22% | -24 bps | |
| Efficiency Ratio | 59.85% | 54.08% | 65.71% | 62.90% | 64.70% | +484 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.47% | -0.18% | 3.84% | 5.62% | 4.22% | +375 bps | |
| Loan Growth (YoY) | 2.95% | 2.23% | 1.12% | -2.13% | -6.22% | -917 bps | |
| Share Growth (YoY) | -2.20% | -2.78% | 2.65% | 3.18% | 4.35% | +655 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.23% | 0.97% | 0.00% | 0.00% | 0.00% | -123 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 26.15% | 26.77% | 24.74% | 24.76% | 25.45% | -70 bps | |
| Net Worth / Assets | 26.15% | 26.77% | 24.74% | 24.76% | 25.45% | -70 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 82.05% | 84.09% | 78.61% | 75.55% | 73.74% | -831 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |