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Soledad, CA · Charter 13254

NCUA · 2 branches

Q2 2026

$36.1MAssets
$25.2MLoans
$32.8MShares
$3.1MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -0.36%, down 54 bps year over year; NIM at 5.21%.
  • Asset quality: problem loans at 0.07% of loans (-14 bps YoY).
  • Capital: net worth / assets of 8.54%, down 55 bps from a year ago.
  • Funding: loans stand at 76.92% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.36%-54 bps YoY

Net Interest Margin (YTD, annualized)

5.21%-22 bps YoY

Efficiency Ratio (YTD, annualized)

105.25%+1,268 bps YoY

Net Worth / Assets

8.54%-55 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.18%0.15%0.22%-1.02%-0.36%-54 bps
Return on Equity1.98%1.73%2.38%-12.30%-4.17%-616 bps
Net Interest Margin5.43%5.37%5.55%5.00%5.21%-22 bps
Efficiency Ratio92.58%92.99%93.14%114.21%105.25%+1,268 bps
Growth
Asset Growth (YoY)32.40%36.71%36.28%5.84%5.61%-2,679 bps
Loan Growth (YoY)18.23%17.41%17.91%-3.47%-1.19%-1,942 bps
Share Growth (YoY)32.39%37.94%39.58%7.18%6.95%-2,544 bps
Asset Quality
Delinquent Loans / Loans0.21%0.23%0.30%0.51%0.07%-14 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.09%8.92%9.28%8.31%8.54%-55 bps
Net Worth / Assets9.09%8.92%9.28%8.31%8.54%-55 bps
Liquidity & Funding
Loans / Shares83.25%79.05%83.02%75.34%76.92%-633 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps