Modesto, CA · Charter 12805
NCUA · 3 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 under $1B in assets in CA (n=62 to 63). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
52
Asset Quality
26
Profitability
81
Liquidity
38
Efficiency
75
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.
Modesto, CA · Charter 12805
NCUA · 3 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 | 1.11% | 1.03% | 1.01% | 0.97% | 1.20% | +9 bps | |
| Return on Equity | 11.22% | 10.11% | 9.72% | 9.15% | 10.83% | -40 bps | |
| Net Interest Margin | 3.98% | 4.07% | 4.09% | 4.08% | 4.32% | +34 bps | |
| Efficiency Ratio | 65.95% | 67.35% | 69.26% | 76.25% | 71.28% | +532 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.79% | 4.22% | 4.39% | -0.89% | -1.13% | -593 bps | |
| Loan Growth (YoY) | -1.80% | -0.08% | -0.16% | -3.10% | -6.75% | -496 bps | |
| Share Growth (YoY) | 4.62% | 4.27% | 1.95% | -2.66% | -3.08% | -770 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.74% | 0.82% | 0.81% | 0.73% | 0.85% | +12 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 | 9.89% | 10.16% | 10.34% | 10.58% | 11.05% | +117 bps | |
| Net Worth / Assets | 9.89% | 10.16% | 10.34% | 10.58% | 11.05% | +117 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 55.57% | 56.63% | 54.97% | 52.97% | 53.46% | -210 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Modesto, CA · Charter 12805 · Peer group: credit unions under $1B in assets in CA (n=62-63)
NCUA · 3 branches
Q2 2026
Return on Assets
1.20%
Rank 15 of 63
Net Interest Margin
4.32%
Rank 11 of 63
Efficiency Ratio
71.28%
Rank 17 of 63
Equity / Assets
11.05%
Rank 30 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.20% | 0.17% | 0.56% | 1.17% | Beats 76% | 15 / 63 | |
| Return on Equity | 10.83% | 1.81% | 4.79% | 8.64% | Beats 84% | 10 / 63 | |
| Net Interest Margin | 4.32% | 3.18% | 3.49% | 3.98% | Beats 83% | 11 / 63 | |
| Efficiency Ratio | 71.28% | 70.58% | 81.25% | 89.21% | Beats 75% | 17 / 63 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.85% | 0.17% | 0.42% | 0.85% | Beats 26% | 47 / 62 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 11.05% | 8.61% | 10.56% | 14.01% | Beats 52% | 30 / 63 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 11.05% | 8.61% | 10.56% | 14.01% | Beats 52% | 30 / 63 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 53.46% | 53.46% | 72.75% | 85.33% | 24th pctl | 47 / 62 | |
| Loans / Assets | 48.83% | 46.35% | 58.08% | 72.17% | 32nd pctl | 43 / 63 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||