Santa Maria, CA · Charter 12508
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
16
Asset Quality
78
Profitability
48
Liquidity
87
Efficiency
12
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.
Santa Maria, CA · Charter 12508
NCUA · 1 branch
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 | 1.02% | 0.69% | 0.36% | 0.22% | 0.31% | -71 bps | |
| Return on Equity | 10.92% | 7.35% | 3.83% | 2.35% | 3.27% | -765 bps | |
| Net Interest Margin | 4.96% | 5.13% | 5.23% | 5.26% | 5.43% | +47 bps | |
| Efficiency Ratio | 82.35% | 82.40% | 89.80% | 96.04% | 94.43% | +1,208 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -7.09% | -3.65% | -2.70% | -1.12% | -2.53% | +456 bps | |
| Loan Growth (YoY) | -10.65% | -4.49% | -1.03% | 12.39% | -0.55% | +1,010 bps | |
| Share Growth (YoY) | -8.52% | -4.44% | -0.32% | -1.51% | -2.79% | +574 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.63% | 0.51% | 0.07% | 0.06% | 0.21% | -42 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.74% | 1.06% | 0.90% | 0.87% | 0.91% | +17 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.38% | 9.44% | 9.49% | 9.22% | 9.62% | +24 bps | |
| Net Worth / Assets | 9.38% | 9.44% | 9.49% | 9.22% | 9.62% | +24 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 70.66% | 75.64% | 71.18% | 72.45% | 72.29% | +163 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Santa Maria, CA · Charter 12508 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.29%
Rank 1,316 of 1,683
Net Interest Margin
5.46%
Rank 76 of 1,683
Efficiency Ratio
94.07%
Rank 1,487 of 1,682
Equity / Assets
9.61%
Rank 1,411 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.29% | 0.35% | 0.74% | 1.18% | Beats 22% | 1,316 / 1,683 | |
| Return on Equity | 3.06% | 2.67% | 5.89% | 8.74% | Beats 28% | 1,205 / 1,681 | |
| Net Interest Margin | 5.46% | 3.31% | 3.82% | 4.32% | Beats 95% | 76 / 1,683 | |
| Efficiency Ratio | 94.07% | 68.91% | 78.20% | 86.93% | Beats 12% | 1,487 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.22% | 0.26% | 0.65% | 1.29% | Beats 78% | 368 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.61% | 10.44% | 12.89% | 16.53% | Beats 16% | 1,411 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.61% | 10.44% | 12.89% | 16.53% | Beats 16% | 1,411 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 72.28% | 52.61% | 69.38% | 83.50% | 55th pctl | 751 / 1,683 | |
| Loans / Assets | 65.32% | 44.71% | 59.18% | 70.72% | 63rd pctl | 622 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||