Bakersfield, CA · Charter 1339
NCUA · 2 branches
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 CA (n=62 to 63). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
60
Asset Quality
94
Profitability
38
Liquidity
36
Efficiency
27
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.
Bakersfield, CA · Charter 1339
NCUA · 2 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.31% | 1.41% | 1.46% | 1.11% | 0.38% | -93 bps | |
| Return on Equity | 11.89% | 12.37% | 12.17% | 9.25% | 3.14% | -876 bps | |
| Net Interest Margin | 4.49% | 4.57% | 4.65% | 4.39% | 3.43% | -106 bps | |
| Efficiency Ratio | 70.90% | 70.29% | 70.69% | 74.61% | 87.86% | +1,696 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.33% | -3.09% | -1.78% | -1.74% | 2.60% | +594 bps | |
| Loan Growth (YoY) | -2.60% | -4.48% | -10.38% | -13.86% | -16.78% | -1,418 bps | |
| Share Growth (YoY) | -6.41% | -5.46% | -2.50% | -4.41% | 2.21% | +861 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.28% | 0.17% | 0.20% | 0.04% | 0.03% | -25 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.98% | 11.42% | 11.98% | 12.03% | 12.10% | +111 bps | |
| Net Worth / Assets | 10.98% | 11.42% | 11.98% | 12.03% | 12.10% | +111 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 64.82% | 62.12% | 59.20% | 55.20% | 52.78% | -1,204 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Bakersfield, CA · Charter 1339 · Peer group: credit unions under $1B in assets in CA (n=62-63)
NCUA · 2 branches
Q2 2026
Return on Assets
0.38%
Rank 40 of 63
Net Interest Margin
3.43%
Rank 36 of 63
Efficiency Ratio
87.95%
Rank 47 of 63
Equity / Assets
12.10%
Rank 25 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.38% | 0.17% | 0.56% | 1.17% | Beats 37% | 40 / 63 | |
| Return on Equity | 3.13% | 1.81% | 4.79% | 8.64% | Beats 35% | 41 / 63 | |
| Net Interest Margin | 3.43% | 3.18% | 3.49% | 3.98% | Beats 43% | 36 / 63 | |
| Efficiency Ratio | 87.95% | 70.58% | 81.25% | 89.21% | Beats 27% | 47 / 63 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.03% | 0.17% | 0.42% | 0.85% | Beats 94% | 5 / 62 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 12.10% | 8.61% | 10.56% | 14.01% | Beats 60% | 25 / 63 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 12.10% | 8.61% | 10.56% | 14.01% | Beats 60% | 25 / 63 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 52.78% | 53.46% | 72.75% | 85.33% | 23rd pctl | 48 / 62 | |
| Loans / Assets | 46.35% | 46.35% | 58.08% | 72.17% | 24th pctl | 48 / 63 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||