Hanford, CA · Charter 10395
NCUA · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets in CA (n=62 to 63). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
87
Asset Quality
40
Profitability
56
Liquidity
75
Efficiency
78
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Hanford, CA · Charter 10395
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 | 1.09% | 1.09% | 1.06% | 0.80% | 0.99% | -10 bps | |
| Return on Equity | 6.97% | 6.97% | 6.85% | 5.14% | 6.19% | -78 bps | |
| Net Interest Margin | 3.33% | 3.34% | 3.29% | 3.35% | 3.40% | +7 bps | |
| Efficiency Ratio | 67.48% | 67.19% | 66.57% | 72.45% | 69.98% | +250 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.47% | 2.74% | 7.32% | 3.88% | 4.67% | +220 bps | |
| Loan Growth (YoY) | -2.91% | -2.89% | 0.88% | 0.89% | 1.32% | +423 bps | |
| Share Growth (YoY) | 0.65% | 1.05% | 6.12% | 1.92% | 3.50% | +285 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.26% | 0.24% | 0.41% | 0.45% | 0.64% | +38 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 | 15.60% | 15.72% | 15.50% | 15.64% | 15.97% | +37 bps | |
| Net Worth / Assets | 15.60% | 15.72% | 15.50% | 15.64% | 15.97% | +37 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 65.56% | 65.38% | 63.93% | 64.98% | 64.18% | -138 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Hanford, CA · Charter 10395 · Peer group: credit unions under $1B in assets in CA (n=62-63)
NCUA · 1 branch
Q2 2026
Return on Assets
0.99%
Rank 18 of 63
Net Interest Margin
3.40%
Rank 38 of 63
Efficiency Ratio
69.96%
Rank 15 of 63
Equity / Assets
15.97%
Rank 8 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.99% | 0.17% | 0.56% | 1.17% | Beats 71% | 18 / 63 | |
| Return on Equity | 6.20% | 1.81% | 4.79% | 8.64% | Beats 56% | 28 / 63 | |
| Net Interest Margin | 3.40% | 3.18% | 3.49% | 3.98% | Beats 40% | 38 / 63 | |
| Efficiency Ratio | 69.96% | 70.58% | 81.25% | 89.21% | Beats 78% | 15 / 63 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.64% | 0.17% | 0.42% | 0.85% | Beats 40% | 38 / 62 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 15.97% | 8.61% | 10.56% | 14.01% | Beats 87% | 8 / 63 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 15.97% | 8.61% | 10.56% | 14.01% | Beats 87% | 8 / 63 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 64.18% | 53.46% | 72.75% | 85.33% | 42nd pctl | 36 / 62 | |
| Loans / Assets | 53.86% | 46.35% | 58.08% | 72.17% | 41st pctl | 37 / 63 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||