POLAM
CURedwood City, CA
Total Assets
$73M
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Total Loans
$57M
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POLAM in CA reported a Texas Ratio of 16.5% in Q2 2026, declining -2.9pp from the prior quarter. Nonperforming assets fell to 2.92%, a -0.51pp improvement.
Portfolio composition
| Category | Balance | % of total | NPL % | Charge-off % |
|---|---|---|---|---|
| 1-4 family — 1st lien | $40M | 69.4% | — | — |
| 1-4 family — junior lien | $9M | 14.8% | — | — |
| Multifamily | $68K | 0.1% | — | — |
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| FOUNDATION Consumer Other Unsecured — Unlock to view | ||||
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20-quarter trend panels
See how Texas Ratio, NPL %, and charge-offs evolved across the last 5 years.
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Peer cohort comparison
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Full portfolio composition
Every loan category, NPL ratio, and charge-off rate — beyond the top 3.
POLAM currently appears on: Under-Reserved Lenders