Livermore, CA · Charter 14934
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 | 1.33% | 1.72% | 1.54% | 2.59% | 1.88% | +54 bps | |
| Return on Equity | 11.56% | 14.50% | 12.94% | 20.80% | 14.83% | +328 bps | |
| Net Interest Margin | 3.52% | 3.52% | 3.52% | 3.76% | 3.74% | +22 bps | |
| Efficiency Ratio | 66.02% | 62.05% | 64.16% | 55.12% | 59.52% | -650 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.85% | 6.13% | 6.37% | 7.82% | 6.56% | +71 bps | |
| Loan Growth (YoY) | -1.66% | -1.42% | 4.12% | 14.13% | 7.93% | +959 bps | |
| Share Growth (YoY) | 4.22% | 4.45% | 4.43% | 7.32% | 5.71% | +149 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.76% | 0.34% | 0.54% | 0.51% | 0.32% | -45 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 | 11.53% | 11.85% | 11.93% | 12.47% | 12.65% | +112 bps | |
| Net Worth / Assets | 11.53% | 11.85% | 11.93% | 12.47% | 12.65% | +112 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 52.10% | 49.13% | 49.43% | 52.27% | 53.20% | +110 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |