PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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