PackageTrendsPeer
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Mojave Plant Employees

Mojave, CA · Charter 11900

NCUA · 1 branch

Q2 2026

$997KAssets
$591KLoans
$798KShares
$199KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.55%, down 63 bps year over year; NIM at 4.97%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 19.98%, up 247 bps from a year ago.
  • Funding: loans stand at 74.14% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.55%-63 bps YoY

Net Interest Margin (quarter, annualized)

4.97%+12 bps YoY

Efficiency Ratio (quarter, annualized)

92.19%+1,576 bps YoY

Net Worth / Assets

19.98%+247 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.18%-1.53%1.52%0.82%0.55%-63 bps
Return on Equity6.76%-8.42%7.80%4.22%2.76%-400 bps
Net Interest Margin4.85%5.12%5.18%4.99%4.97%+12 bps
Efficiency Ratio76.42%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 / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans6.26%6.91%6.96%7.06%7.61%+135 bps
Capital
Risk-Based Capital17.51%18.15%19.46%19.42%19.98%+247 bps
Net Worth / Assets17.51%18.15%19.46%19.42%19.98%+247 bps
Liquidity & Funding
Loans / Shares79.69%76.38%80.19%78.01%74.14%-555 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps