Concord, CA · Charter 14409
NCUA · 1 branch
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 | 0.17% | 0.22% | 0.20% | -0.06% | 0.06% | -10 bps | |
| Return on Equity | 1.61% | 2.05% | 1.79% | -0.60% | 0.57% | -103 bps | |
| Net Interest Margin | 3.60% | 3.76% | 3.83% | 3.52% | 3.57% | -3 bps | |
| Efficiency Ratio | 94.49% | 94.25% | 94.72% | 104.79% | 99.92% | +543 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.15% | -4.00% | -1.69% | -1.01% | -3.22% | -106 bps | |
| Loan Growth (YoY) | 3.24% | -0.27% | -2.35% | -9.68% | -4.36% | -760 bps | |
| Share Growth (YoY) | -3.12% | -4.66% | -2.29% | -1.18% | -4.01% | -88 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.02% | 0.04% | 0.05% | 0.04% | 0.05% | +3 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 | 10.41% | 10.80% | 10.99% | 10.84% | 10.89% | +49 bps | |
| Net Worth / Assets | 10.41% | 10.80% | 10.99% | 10.84% | 10.89% | +49 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 55.46% | 56.97% | 57.77% | 51.62% | 55.26% | -20 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |