Soledad, CA · Charter 13254
NCUA · 2 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
19
Asset Quality
87
Profitability
34
Liquidity
74
Efficiency
5
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.
Soledad, CA · Charter 13254
NCUA · 2 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 | 0.44% | 0.61% | -0.31% | 0.18% | 0.15% | 0.22% | -1.02% | -0.36% | -54 bps | |
| Return on Equity | 4.70% | 6.14% | -3.51% | 1.98% | 1.73% | 2.38% | -12.30% | -4.17% | -616 bps | |
| Net Interest Margin | 5.68% | 5.81% | 5.39% | 5.43% | 5.37% | 5.55% | 5.00% | 5.21% | -22 bps | |
| Efficiency Ratio | 90.70% | 88.64% | 93.66% | 92.58% | 92.99% | 93.14% | 114.21% | 105.25% | +1,268 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.69% | -3.37% | 31.67% | 32.40% | 36.71% | 36.28% | 5.84% | 5.61% | -2,679 bps | |
| Loan Growth (YoY) | -3.07% | -2.60% | 20.84% | 18.23% | 17.41% | 17.91% | -3.47% | -1.19% | -1,942 bps | |
| Share Growth (YoY) | 3.55% | -5.95% | 31.80% | 32.39% | 37.94% | 39.58% | 7.18% | 6.95% | -2,544 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.14% | 0.13% | 0.24% | 0.21% | 0.23% | 0.30% | 0.51% | 0.07% | -14 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 | 9.45% | 9.96% | 8.86% | 9.09% | 8.92% | 9.28% | 8.31% | 8.54% | -55 bps | |
| Net Worth / Assets | 9.45% | 9.96% | 8.86% | 9.09% | 8.92% | 9.28% | 8.31% | 8.54% | -55 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 92.87% | 98.28% | 83.64% | 83.25% | 79.05% | 83.02% | 75.34% | 76.92% | -633 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Soledad, CA · Charter 13254 · Peer group: credit unions under $1B in assets in CA (n=62-63)
NCUA · 2 branches
Q2 2026
Return on Assets
-0.35%
Rank 60 of 63
Net Interest Margin
5.21%
Rank 3 of 63
Efficiency Ratio
105.31%
Rank 61 of 63
Equity / Assets
8.55%
Rank 51 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.35% | 0.17% | 0.56% | 1.17% | Beats 5% | 60 / 63 | ||
| Return on Equity | -4.15% | 1.81% | 4.79% | 8.64% | Beats 3% | 61 / 63 | ||
| Net Interest Margin | 5.21% | 3.18% | 3.49% | 3.98% | Beats 95% | 3 / 63 | ||
| Efficiency Ratio | 105.31% | 70.58% | 81.25% | 89.21% | Beats 5% | 61 / 63 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.07% | 0.17% | 0.42% | 0.85% | Beats 87% | 9 / 62 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 8.55% | 8.61% | 10.56% | 14.01% | Beats 19% | 51 / 63 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 8.55% | 8.61% | 10.56% | 14.01% | Beats 19% | 51 / 63 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 76.92% | 53.46% | 72.75% | 85.33% | 60th pctl | 25 / 62 | ||
| Loans / Assets | 69.91% | 46.35% | 58.08% | 72.17% | 65th pctl | 22 / 63 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||