PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Redlands City Employees

Redlands, CA · Charter 9778

NCUA · 1 branch

Q2 2026

$10.2MAssets
$5.5MLoans
$7.5MShares
$2.6MNet Worth

Executive Summary

  • Earnings: ROA of 1.50%, down 31 bps year over year; NIM at 4.22%.
  • Asset quality: problem loans at 0.00% of loans (-123 bps YoY).
  • Capital: net worth / assets of 25.45%, down 70 bps from a year ago.
  • Funding: loans stand at 73.74% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

1.50%-31 bps YoY

Net Interest Margin (quarter, annualized)

4.22%-24 bps YoY

Efficiency Ratio (quarter, annualized)

64.70%+484 bps YoY

Net Worth / Assets

25.45%-70 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.85%2.21%1.65%1.81%1.94%1.20%1.57%1.50%-31 bps
Return on Equity10.96%8.75%6.42%6.92%7.24%4.86%6.36%5.91%-102 bps
Net Interest Margin4.73%4.15%4.43%4.46%4.51%3.79%4.22%4.22%-24 bps
Efficiency Ratio40.33%47.30%63.22%59.85%54.08%65.71%62.90%64.70%+484 bps
Growth
Asset Growth (YoY)-3.59%-1.12%-1.48%0.47%-0.18%3.84%5.62%4.22%+375 bps
Loan Growth (YoY)15.98%9.41%5.83%2.95%2.23%1.12%-2.13%-6.22%-917 bps
Share Growth (YoY)-7.84%-4.32%-4.36%-2.20%-2.78%2.65%3.18%4.35%+655 bps
Asset Quality
Delinquent Loans / Loans1.21%1.31%1.07%1.23%0.97%0.00%0.00%0.00%-123 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital25.98%25.20%25.65%26.15%26.77%24.74%24.76%25.45%-70 bps
Net Worth / Assets25.98%25.20%25.65%26.15%26.77%24.74%24.76%25.45%-70 bps
Liquidity & Funding
Loans / Shares79.97%79.79%79.66%82.05%84.09%78.61%75.55%73.74%-831 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps