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 | |