Lodi, CA · Charter 13265
NCUA · 2 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.60% | 0.65% | 0.83% | 1.02% | 1.04% | 1.06% | 0.79% | 0.89% | -12 bps | |
| Return on Equity | 4.31% | 4.64% | 5.85% | 6.79% | 6.80% | 6.80% | 5.11% | 5.57% | -122 bps | |
| Net Interest Margin | 3.01% | 3.06% | 3.26% | 3.45% | 3.55% | 3.55% | 3.65% | 3.84% | +39 bps | |
| Efficiency Ratio | 83.30% | 81.78% | 77.22% | 75.46% | 75.26% | 75.63% | 80.28% | 77.89% | +243 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.77% | -8.58% | -9.21% | -5.76% | -3.52% | -3.21% | -1.48% | -0.59% | +518 bps | |
| Loan Growth (YoY) | -6.42% | -5.06% | -1.01% | 3.32% | 1.59% | 0.87% | -1.34% | -4.71% | -804 bps | |
| Share Growth (YoY) | -12.61% | -10.23% | -11.04% | -7.39% | -5.90% | -5.61% | -3.57% | -3.44% | +395 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.14% | 0.09% | 0.06% | 0.00% | 0.22% | 0.02% | 0.37% | 0.36% | +36 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 | 13.85% | 14.04% | 14.23% | 14.95% | 15.35% | 15.56% | 15.47% | 16.03% | +108 bps | |
| Net Worth / Assets | 13.85% | 14.04% | 14.23% | 14.95% | 15.35% | 15.56% | 15.47% | 16.03% | +108 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 53.41% | 52.65% | 53.29% | 57.24% | 57.66% | 56.26% | 54.52% | 56.48% | -75 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |