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 | |