Antioch, CA · Charter 13261
NCUA · 1 branch
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 the San Francisco-Oakland-Fremont, CA area (n=22). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
73
Asset Quality
18
Profitability
79
Liquidity
94
Efficiency
100
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.
Antioch, CA · Charter 13261
NCUA · 1 branch
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 | 1.82% | 1.84% | 1.07% | 1.43% | 1.72% | 1.95% | 0.79% | 1.04% | -38 bps | |
| Return on Equity | 14.96% | 14.50% | 8.32% | 11.21% | 12.24% | 13.23% | 5.39% | 6.84% | -437 bps | |
| Net Interest Margin | 4.61% | 4.58% | 4.22% | 4.13% | 4.33% | 4.43% | 4.15% | 4.20% | +8 bps | |
| Efficiency Ratio | 51.20% | 51.01% | 59.18% | 56.34% | 50.58% | 51.64% | 57.36% | 58.02% | +167 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.11% | -1.68% | -3.62% | -0.47% | 1.07% | -0.51% | -0.23% | -5.94% | -547 bps | |
| Loan Growth (YoY) | -9.17% | -11.71% | 4.60% | 4.52% | 21.05% | 33.91% | 12.38% | 13.20% | +868 bps | |
| Share Growth (YoY) | -5.73% | -3.19% | -5.74% | -2.08% | -1.10% | -3.61% | -2.42% | -8.67% | -660 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.64% | 1.90% | 2.01% | 0.03% | 0.09% | 0.38% | 1.47% | 1.53% | +150 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 | 2.54% | 2.34% | 2.51% | 2.44% | 0.00% | 0.00% | 0.00% | 0.00% | -244 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.18% | 12.71% | 12.80% | 12.72% | 14.06% | 14.73% | 14.68% | 15.23% | +251 bps | |
| Net Worth / Assets | 12.18% | 12.71% | 12.80% | 12.72% | 14.06% | 14.73% | 14.68% | 15.23% | +251 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 39.08% | 37.33% | 42.57% | 41.62% | 47.83% | 51.86% | 49.03% | 51.59% | +997 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Antioch, CA · Charter 13261 · Peer group: credit unions under $1B in assets in the San Francisco-Oakland-Fremont, CA area (n=22)
NCUA · 1 branch
Q2 2026
Return on Assets
1.04%
Rank 5 of 22
Net Interest Margin
4.20%
Rank 3 of 22
Efficiency Ratio
58.06%
Rank 1 of 22
Equity / Assets
15.23%
Rank 6 of 22
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.04% | -0.03% | 0.55% | 0.99% | Beats 77% | 5 / 22 | ||
| Return on Equity | 6.84% | -0.26% | 3.68% | 6.84% | Beats 73% | 6 / 22 | ||
| Net Interest Margin | 4.20% | 2.64% | 3.38% | 3.88% | Beats 86% | 3 / 22 | ||
| Efficiency Ratio | 58.06% | 71.26% | 81.14% | 99.76% | Beats 100% | 1 / 22 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.53% | 0.03% | 0.56% | 1.15% | Beats 18% | 19 / 22 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.23% | 10.74% | 12.65% | 15.23% | Beats 73% | 6 / 22 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 15.23% | 10.74% | 12.65% | 15.23% | Beats 73% | 6 / 22 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 51.59% | 45.93% | 53.20% | 62.68% | 41st pctl | 13 / 22 | ||
| Loans / Assets | 43.58% | 34.22% | 45.72% | 53.73% | 36th pctl | 14 / 22 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||