Corrections
Soledad, CA · Charter 13254 · Peer group: credit unions under $1B in assets in CA (n=62-63)
NCUA · 2 branches
Q2 2026
$36.1MAssets
$25.2MLoans
$32.8MShares
$3.1MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 95% of credit unions under $1B in assets in CA (rank 3 of 63).
- Widest gap: return on equity trails 97% of credit unions under $1B in assets in CA (rank 61 of 63).
- Overall: at or above the peer median on 2 of 7 directional measures.
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 | 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 |