Capitola, CA · Charter 12067
NCUA · 7 branches
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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
26
Asset Quality
89
Profitability
55
Liquidity
24
Efficiency
52
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.
Capitola, CA · Charter 12067
NCUA · 7 branches
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 | 1.18% | 1.07% | 1.02% | 0.89% | 0.86% | -32 bps | |
| Return on Equity | 12.22% | 11.02% | 10.57% | 9.14% | 8.76% | -346 bps | |
| Net Interest Margin | 3.13% | 3.12% | 3.14% | 3.31% | 3.30% | +17 bps | |
| Efficiency Ratio | 66.26% | 67.98% | 68.54% | 70.77% | 71.09% | +482 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.51% | 9.42% | 9.50% | 7.83% | 7.35% | -116 bps | |
| Loan Growth (YoY) | 3.75% | 5.21% | 5.08% | 5.17% | 5.53% | +178 bps | |
| Share Growth (YoY) | 7.64% | 8.66% | 8.25% | 7.24% | 6.78% | -86 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.25% | 0.32% | 0.20% | 0.17% | 0.31% | +6 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 | 9.69% | 9.69% | 9.69% | 9.71% | 9.85% | +16 bps | |
| Net Worth / Assets | 9.69% | 9.69% | 9.69% | 9.71% | 9.85% | +16 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 71.36% | 71.37% | 70.50% | 69.35% | 70.52% | -83 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Capitola, CA · Charter 12067 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 7 branches
Q2 2026
Return on Assets
0.86%
Rank 196 of 435
Net Interest Margin
3.30%
Rank 246 of 435
Efficiency Ratio
71.09%
Rank 209 of 435
Equity / Assets
9.85%
Rank 323 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.86% | 0.55% | 0.81% | 1.14% | Beats 55% | 196 / 435 | |
| Return on Equity | 8.76% | 5.12% | 7.41% | 9.70% | Beats 66% | 149 / 435 | |
| Net Interest Margin | 3.30% | 3.01% | 3.39% | 3.75% | Beats 43% | 246 / 435 | |
| Efficiency Ratio | 71.09% | 65.25% | 71.39% | 77.86% | Beats 52% | 209 / 435 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.31% | 0.45% | 0.69% | 1.05% | Beats 89% | 48 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.85% | 9.81% | 10.84% | 12.63% | Beats 26% | 323 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.85% | 9.81% | 10.84% | 12.63% | Beats 26% | 323 / 435 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 70.52% | 78.33% | 88.38% | 95.61% | 14th pctl | 373 / 435 | |
| Loans / Assets | 62.90% | 67.69% | 74.58% | 80.80% | 17th pctl | 363 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||