Mojave, CA · Charter 11900
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 (n=1,681 to 1,683). 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
100
Profitability
52
Liquidity
79
Efficiency
10
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.
Mojave, CA · Charter 11900
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 | 1.18% | -1.53% | 1.52% | 0.82% | 0.55% | -63 bps | |
| Return on Equity | 6.76% | -8.42% | 7.80% | 4.22% | 2.76% | -400 bps | |
| Net Interest Margin | 4.85% | 5.12% | 5.18% | 4.99% | 4.97% | +12 bps | |
| Efficiency Ratio | 76.42% | 90.46% | 71.66% | 89.81% | 92.19% | +1,576 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.26% | -2.10% | -8.89% | -8.36% | -8.85% | -910 bps | |
| Loan Growth (YoY) | -13.19% | -17.91% | -15.62% | -11.98% | -17.73% | -454 bps | |
| Share Growth (YoY) | 0.48% | -1.51% | -10.24% | -9.62% | -11.58% | -1,206 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 6.26% | 6.91% | 6.96% | 7.06% | 7.61% | +135 bps | |
| Capital | |||||||
| Risk-Based Capital | 17.51% | 18.15% | 19.46% | 19.42% | 19.98% | +247 bps | |
| Net Worth / Assets | 17.51% | 18.15% | 19.46% | 19.42% | 19.98% | +247 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 79.69% | 76.38% | 80.19% | 78.01% | 74.14% | -555 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Mojave, CA · Charter 11900 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.60%
Rank 1,009 of 1,683
Net Interest Margin
4.81%
Rank 194 of 1,683
Efficiency Ratio
96.00%
Rank 1,523 of 1,682
Equity / Assets
19.96%
Rank 226 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.60% | 0.35% | 0.74% | 1.18% | Beats 40% | 1,009 / 1,683 | |
| Return on Equity | 3.02% | 2.67% | 5.89% | 8.74% | Beats 28% | 1,212 / 1,681 | |
| Net Interest Margin | 4.81% | 3.31% | 3.82% | 4.32% | Beats 88% | 194 / 1,683 | |
| Efficiency Ratio | 96.00% | 68.91% | 78.20% | 86.93% | Beats 10% | 1,523 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.26% | 0.65% | 1.29% | Beats 100% | 132 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 19.96% | 10.44% | 12.89% | 16.53% | Beats 87% | 226 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 19.96% | 10.44% | 12.89% | 16.53% | Beats 87% | 226 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 74.06% | 52.61% | 69.38% | 83.50% | 59th pctl | 695 / 1,683 | |
| Loans / Assets | 59.28% | 44.71% | 59.18% | 70.72% | 50th pctl | 840 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||