PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Diablo Valley

Concord, CA · Charter 14409

NCUA · 1 branch

Q2 2026

$40.1MAssets
$19.7MLoans
$35.6MShares
$4.4MNet Worth

Executive Summary

  • Earnings: ROA of 0.06%, down 10 bps year over year; NIM at 3.57%.
  • Asset quality: problem loans at 0.05% of loans (+3 bps YoY).
  • Capital: net worth / assets of 10.89%, up 49 bps from a year ago.
  • Funding: loans stand at 55.26% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.06%-10 bps YoY

Net Interest Margin (YTD, annualized)

3.57%-3 bps YoY

Efficiency Ratio (YTD, annualized)

99.92%+543 bps YoY

Net Worth / Assets

10.89%+49 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.47%0.46%0.08%0.17%0.22%0.20%-0.06%0.06%-10 bps
Return on Equity4.65%4.35%0.73%1.61%2.05%1.79%-0.60%0.57%-103 bps
Net Interest Margin3.56%3.78%3.64%3.60%3.76%3.83%3.52%3.57%-3 bps
Efficiency Ratio88.27%89.12%96.36%94.49%94.25%94.72%104.79%99.92%+543 bps
Growth
Asset Growth (YoY)-0.47%-4.29%-4.50%-2.15%-4.00%-1.69%-1.01%-3.22%-106 bps
Loan Growth (YoY)-8.27%-5.49%-5.38%3.24%-0.27%-2.35%-9.68%-4.36%-760 bps
Share Growth (YoY)-2.16%-5.31%-5.79%-3.12%-4.66%-2.29%-1.18%-4.01%-88 bps
Asset Quality
Delinquent Loans / Loans0.02%0.05%0.09%0.02%0.04%0.05%0.04%0.05%+3 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 Capital10.12%10.61%10.57%10.41%10.80%10.99%10.84%10.89%+49 bps
Net Worth / Assets10.12%10.61%10.57%10.41%10.80%10.99%10.84%10.89%+49 bps
Liquidity & Funding
Loans / Shares54.46%57.81%56.48%55.46%56.97%57.77%51.62%55.26%-20 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps