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 | |