Vacaville, CA · Charter 11943
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 | 0.13% | -0.03% | 0.15% | 0.42% | 0.30% | +16 bps | |
| Return on Equity | 1.35% | -0.34% | 1.58% | 4.37% | 2.98% | +163 bps | |
| Net Interest Margin | 3.57% | 3.59% | 3.57% | 3.62% | 3.72% | +14 bps | |
| Efficiency Ratio | 94.20% | 97.77% | 93.99% | 88.20% | 90.92% | -328 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.59% | 2.34% | 7.43% | 1.32% | 1.02% | +560 bps | |
| Loan Growth (YoY) | -10.77% | -8.55% | -11.36% | -13.15% | -11.48% | -70 bps | |
| Share Growth (YoY) | -5.28% | 2.87% | 8.61% | 0.94% | 0.89% | +617 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.22% | 1.83% | 1.48% | 1.23% | 1.20% | -102 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 | 9.89% | 9.50% | 9.51% | 9.69% | 10.02% | +13 bps | |
| Net Worth / Assets | 9.89% | 9.50% | 9.51% | 9.69% | 10.02% | +13 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 63.48% | 60.32% | 56.66% | 54.61% | 55.70% | -778 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |