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Marin County

San Rafael, CA · Charter 15659

NCUA · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the San Francisco-Oakland-Fremont, CA area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Credit unions under $1B in assets in the San Francisco-Oakland-Fremont, CA area (n=22). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

45

Q2 2024Q2 2026peer median (50)

Asset Quality

14

Q2 2024Q2 2026peer median (50)

Profitability

46

Q2 2024Q2 2026peer median (50)

Liquidity

8

Q2 2024Q2 2026peer median

Efficiency

91

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Marin County

San Rafael, CA · Charter 15659

NCUA · 1 branch

Q2 2026

$103.5MAssets
$26.9MLoans
$91.5MShares
$12.5MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.73%, down 27 bps year over year; NIM at 2.47%.
  • Asset quality: problem loans at 1.69% of loans (+63 bps YoY).
  • Capital: net worth / assets of 12.05%, down 26 bps from a year ago.
  • Funding: loans stand at 29.45% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.73%-27 bps YoY

Net Interest Margin (YTD, annualized)

2.47%-33 bps YoY

Efficiency Ratio (YTD, annualized)

64.66%+292 bps YoY

Net Worth / Assets

12.05%-26 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.01%0.93%0.86%0.72%0.73%-27 bps
Return on Equity8.16%7.69%7.21%5.96%6.07%-210 bps
Net Interest Margin2.80%2.71%2.64%2.48%2.47%-33 bps
Efficiency Ratio61.75%62.05%65.16%67.52%64.66%+292 bps
Growth
Asset Growth (YoY)9.19%11.18%13.15%11.09%8.63%-55 bps
Loan Growth (YoY)-5.19%-5.96%-9.18%-8.85%-5.76%-57 bps
Share Growth (YoY)8.21%10.16%12.10%10.31%8.26%+5 bps
Asset Quality
Delinquent Loans / Loans1.06%0.93%0.86%0.92%1.69%+63 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.31%12.14%11.98%12.02%12.05%-26 bps
Net Worth / Assets12.31%12.14%11.98%12.02%12.05%-26 bps
Liquidity & Funding
Loans / Shares33.83%31.86%30.40%29.43%29.45%-438 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Marin County

San Rafael, CA · Charter 15659 · Peer group: credit unions under $1B in assets in the San Francisco-Oakland-Fremont, CA area (n=22)

NCUA · 1 branch

Q2 2026

$103.5MAssets
$26.9MLoans
$91.5MShares
$12.5MNet Worth

Executive Summary

  • Strongest standing: efficiency ratio outperforms 91% of credit unions under $1B in assets in the San Francisco-Oakland-Fremont, CA area (rank 3 of 22).
  • Widest gap: nonperforming loans / loans trails 86% of credit unions under $1B in assets in the San Francisco-Oakland-Fremont, CA area (rank 20 of 22).
  • Overall: at or above the peer median on 3 of 7 directional measures.

Return on Assets

0.73%

Rank 8 of 22

Net Interest Margin

2.47%

Rank 19 of 22

Efficiency Ratio

64.66%

Rank 3 of 22

Equity / Assets

12.05%

Rank 12 of 22

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.73%-0.03%0.55%0.99%Beats 64%8 / 22
Return on Equity6.07%-0.26%3.68%6.84%Beats 59%9 / 22
Net Interest Margin2.47%2.64%3.38%3.88%Beats 14%19 / 22
Efficiency Ratio64.66%71.26%81.14%99.76%Beats 91%3 / 22
Asset Quality
Nonperforming Loans / Loans1.69%0.03%0.56%1.15%Beats 14%20 / 22
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio12.05%10.74%12.65%15.23%Beats 45%12 / 22
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets12.05%10.74%12.65%15.23%Beats 45%12 / 22
Liquidity & Funding
Loans / Deposits29.45%45.93%53.20%62.68%14th pctl19 / 22
Loans / Assets26.03%34.22%45.72%53.73%18th pctl18 / 22
Brokered Deposits / Depositsn/aNot reported for this institution