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 | |