Crescent City, CA · Charter 12028
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
69
Asset Quality
14
Profitability
18
Liquidity
82
Efficiency
37
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.
Crescent City, CA · Charter 12028
NCUA · 1 branch
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 | 0.58% | 0.61% | 0.87% | 0.92% | 0.82% | 0.80% | 0.37% | 0.32% | -60 bps | |
| Return on Equity | 4.16% | 4.52% | 6.21% | 6.52% | 5.60% | 5.38% | 2.43% | 2.10% | -442 bps | |
| Net Interest Margin | 3.56% | 3.44% | 3.30% | 3.33% | 3.36% | 3.34% | 2.78% | 2.92% | -42 bps | |
| Efficiency Ratio | 64.66% | 65.97% | 70.34% | 68.09% | 69.47% | 69.96% | 80.03% | 82.37% | +1,429 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.82% | 4.41% | 2.87% | 4.16% | 0.08% | -3.69% | -3.21% | -4.99% | -915 bps | |
| Loan Growth (YoY) | -12.01% | -16.62% | -17.62% | -6.53% | -1.16% | -2.26% | -3.96% | -5.02% | +151 bps | |
| Share Growth (YoY) | -6.28% | 4.29% | 2.42% | 3.70% | -0.94% | -5.17% | -4.51% | -6.32% | -1,002 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.83% | 1.62% | 0.90% | 0.67% | 0.88% | 1.76% | 2.08% | 2.01% | +134 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 | 1.27% | 1.47% | 1.40% | 1.39% | 1.48% | 1.66% | 1.84% | 1.92% | +53 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.84% | 13.59% | 13.96% | 14.09% | 14.64% | 14.91% | 15.08% | 15.32% | +123 bps | |
| Net Worth / Assets | 13.84% | 13.59% | 13.96% | 14.09% | 14.64% | 14.91% | 15.08% | 15.32% | +123 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 65.54% | 60.34% | 59.09% | 62.89% | 65.40% | 62.19% | 59.43% | 63.76% | +87 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Crescent City, CA · Charter 12028 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.32%
Rank 1,292 of 1,683
Net Interest Margin
2.92%
Rank 1,490 of 1,683
Efficiency Ratio
82.42%
Rank 1,056 of 1,682
Equity / Assets
15.32%
Rank 516 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.32% | 0.35% | 0.74% | 1.18% | Beats 23% | 1,292 / 1,683 | ||
| Return on Equity | 2.09% | 2.67% | 5.89% | 8.74% | Beats 21% | 1,335 / 1,681 | ||
| Net Interest Margin | 2.92% | 3.31% | 3.82% | 4.32% | Beats 11% | 1,490 / 1,683 | ||
| Efficiency Ratio | 82.42% | 68.91% | 78.20% | 86.93% | Beats 37% | 1,056 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.00% | 0.26% | 0.65% | 1.29% | Beats 14% | 1,447 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.32% | 10.44% | 12.89% | 16.53% | Beats 69% | 516 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 15.32% | 10.44% | 12.89% | 16.53% | Beats 69% | 516 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 63.76% | 52.61% | 69.38% | 83.50% | 40th pctl | 1,004 / 1,683 | ||
| Loans / Assets | 53.80% | 44.71% | 59.18% | 70.72% | 40th pctl | 1,004 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||