PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

County Schools

Ventura, CA · Charter 13495

NCUA · 3 branches

Q2 2026

$91.0MAssets
$57.9MLoans
$83.0MShares
$7.7MNet Worth

Executive Summary

  • Earnings: ROA of 0.13%, down 50 bps year over year; NIM at 2.96%.
  • Asset quality: problem loans at 3.52% of loans (+322 bps YoY).
  • Capital: net worth / assets of 8.51%, up 81 bps from a year ago.
  • Funding: loans stand at 69.80% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.13%-50 bps YoY

Net Interest Margin (YTD, annualized)

2.96%+49 bps YoY

Efficiency Ratio (YTD, annualized)

90.36%+2,150 bps YoY

Net Worth / Assets

8.51%+81 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.12%0.00%-0.07%0.63%0.79%0.72%0.10%0.13%-50 bps
Return on Equity1.64%-0.06%-0.94%8.21%9.86%8.90%1.19%1.55%-665 bps
Net Interest Margin2.77%2.70%2.41%2.47%2.65%2.74%2.91%2.96%+49 bps
Efficiency Ratio81.66%84.61%79.98%68.86%70.60%73.09%91.02%90.36%+2,150 bps
Growth
Asset Growth (YoY)-0.10%5.27%4.94%2.10%1.36%1.16%-5.23%-3.96%-606 bps
Loan Growth (YoY)-3.36%-3.64%-4.89%-8.19%-8.03%-13.11%-16.92%-16.78%-859 bps
Share Growth (YoY)-0.09%5.87%5.70%1.96%1.00%0.56%-6.40%-4.76%-673 bps
Asset Quality
Delinquent Loans / Loans0.32%2.42%2.99%0.30%1.71%2.89%1.27%3.52%+322 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital7.57%7.46%7.20%7.70%8.00%8.12%8.42%8.51%+81 bps
Net Worth / Assets7.57%7.46%7.20%7.70%8.00%8.12%8.42%8.51%+81 bps
Liquidity & Funding
Loans / Shares88.11%85.63%81.03%79.88%80.24%73.99%71.92%69.80%-1,008 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps