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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |