Livermore, CA · Charter 14934
NCUA · 1 branch
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.73% | 1.52% | 1.76% | 1.33% | 1.72% | 1.54% | 2.59% | 1.88% | +54 bps | |
| Return on Equity | 15.74% | 13.73% | 15.25% | 11.56% | 14.50% | 12.94% | 20.80% | 14.83% | +328 bps | |
| Net Interest Margin | 3.86% | 3.75% | 3.51% | 3.52% | 3.52% | 3.52% | 3.76% | 3.74% | +22 bps | |
| Efficiency Ratio | 58.28% | 61.97% | 60.68% | 66.02% | 62.05% | 64.16% | 55.12% | 59.52% | -650 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.34% | 3.58% | 4.14% | 5.85% | 6.13% | 6.37% | 7.82% | 6.56% | +71 bps | |
| Loan Growth (YoY) | 2.42% | -5.89% | -5.51% | -1.66% | -1.42% | 4.12% | 14.13% | 7.93% | +959 bps | |
| Share Growth (YoY) | -1.93% | 2.33% | 1.92% | 4.22% | 4.45% | 4.43% | 7.32% | 5.71% | +149 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.37% | 0.73% | 0.40% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.96% | 11.04% | 11.54% | 11.53% | 11.85% | 11.93% | 12.47% | 12.65% | +112 bps | |
| Net Worth / Assets | 10.96% | 11.04% | 11.54% | 11.53% | 11.85% | 11.93% | 12.47% | 12.65% | +112 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 52.06% | 49.57% | 49.15% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |