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Befit Financial

Vacaville, CA · Charter 11943

NCUA · 1 branch

Q2 2026

$38.2MAssets
$19.0MLoans
$34.1MShares
$3.8MNet Worth

Executive Summary

  • Earnings: ROA of 0.30%, up 16 bps year over year; NIM at 3.72%.
  • Asset quality: problem loans at 1.20% of loans (-102 bps YoY).
  • Capital: net worth / assets of 10.02%, up 13 bps from a year ago.
  • Funding: loans stand at 55.70% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.30%+16 bps YoY

Net Interest Margin (YTD, annualized)

3.72%+14 bps YoY

Efficiency Ratio (YTD, annualized)

90.92%-328 bps YoY

Net Worth / Assets

10.02%+13 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.58%0.15%0.05%0.13%-0.03%0.15%0.42%0.30%+16 bps
Return on Equity5.79%1.48%0.51%1.35%-0.34%1.58%4.37%2.98%+163 bps
Net Interest Margin3.56%3.64%3.40%3.57%3.59%3.57%3.62%3.72%+14 bps
Efficiency Ratio84.87%88.32%95.90%94.20%97.77%93.99%88.20%90.92%-328 bps
Growth
Asset Growth (YoY)-2.61%-3.70%-1.15%-4.59%2.34%7.43%1.32%1.02%+560 bps
Loan Growth (YoY)-10.08%-10.93%-10.16%-10.77%-8.55%-11.36%-13.15%-11.48%-70 bps
Share Growth (YoY)-3.79%-4.08%-1.83%-5.28%2.87%8.61%0.94%0.89%+617 bps
Asset Quality
Delinquent Loans / Loans0.98%2.04%1.99%2.22%1.83%1.48%1.23%1.20%-102 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.06%10.07%9.58%9.89%9.50%9.51%9.69%10.02%+13 bps
Net Worth / Assets10.06%10.07%9.58%9.89%9.50%9.51%9.69%10.02%+13 bps
Liquidity & Funding
Loans / Shares67.85%69.42%63.47%63.48%60.32%56.66%54.61%55.70%-778 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps