Modesto, CA · Charter 12805
NCUA · 3 branches
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 | 0.71% | 0.67% | 1.01% | 1.11% | 1.03% | 1.01% | 0.97% | 1.20% | +9 bps | |
| Return on Equity | 7.34% | 6.86% | 10.64% | 11.22% | 10.11% | 9.72% | 9.15% | 10.83% | -40 bps | |
| Net Interest Margin | 4.09% | 4.09% | 3.91% | 3.98% | 4.07% | 4.09% | 4.08% | 4.32% | +34 bps | |
| Efficiency Ratio | 67.52% | 69.06% | 70.47% | 65.95% | 67.35% | 69.26% | 76.25% | 71.28% | +532 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.07% | 1.30% | 3.35% | 4.79% | 4.22% | 4.39% | -0.89% | -1.13% | -593 bps | |
| Loan Growth (YoY) | -1.30% | -3.55% | -3.99% | -1.80% | -0.08% | -0.16% | -3.10% | -6.75% | -496 bps | |
| Share Growth (YoY) | -6.21% | 2.36% | 3.33% | 4.62% | 4.27% | 1.95% | -2.66% | -3.08% | -770 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.28% | 1.39% | 0.78% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.64% | 9.75% | 9.50% | 9.89% | 10.16% | 10.34% | 10.58% | 11.05% | +117 bps | |
| Net Worth / Assets | 9.64% | 9.75% | 9.50% | 9.89% | 10.16% | 10.34% | 10.58% | 11.05% | +117 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.09% | 56.13% | 53.21% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |