Walnut Creek, CA · Charter 11944
NCUA · 2 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.11% | -0.05% | 0.34% | 0.31% | 0.29% | 0.26% | 0.08% | 0.24% | -7 bps | |
| Return on Equity | -1.27% | -0.61% | 3.97% | 3.38% | 3.07% | 2.86% | 0.90% | 2.58% | -81 bps | |
| Net Interest Margin | 2.49% | 2.54% | 2.79% | 3.08% | 3.17% | 3.18% | 3.14% | 3.26% | +18 bps | |
| Efficiency Ratio | 98.72% | 96.41% | 84.98% | 87.51% | 88.49% | 89.30% | 94.46% | 90.84% | +334 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.53% | 0.72% | -0.23% | -4.95% | -7.23% | -6.28% | -5.35% | -0.49% | +446 bps | |
| Loan Growth (YoY) | -2.94% | -0.41% | -1.73% | -1.03% | -5.61% | -9.54% | -9.41% | -14.63% | -1,359 bps | |
| Share Growth (YoY) | -1.71% | 0.79% | -0.31% | -5.53% | -8.10% | -6.88% | -5.50% | 0.01% | +553 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.32% | 0.32% | 0.20% | 0.23% | 0.07% | 0.09% | 0.23% | 0.05% | -17 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.48% | 8.54% | 8.64% | 9.19% | 9.39% | 9.23% | 9.16% | 9.31% | +12 bps | |
| Net Worth / Assets | 8.48% | 8.54% | 8.64% | 9.19% | 9.39% | 9.23% | 9.16% | 9.31% | +12 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.98% | 88.90% | 86.70% | 90.66% | 88.32% | 86.36% | 83.11% | 77.39% | -1,326 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |