Fresno, CA · Charter 23964
NCUA · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
Credit unions under $1B in assets in CA (n=62 to 63). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
51
Asset Quality
19
Profitability
87
Liquidity
40
Efficiency
81
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.
Fresno, CA · Charter 23964
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 | 1.09% | 1.28% | 1.47% | 1.36% | 1.48% | 1.61% | 1.56% | 2.00% | +65 bps | |
| Return on Equity | 12.86% | 14.03% | 15.83% | 14.32% | 15.10% | 16.12% | 15.27% | 18.95% | +463 bps | |
| Net Interest Margin | 3.42% | 3.54% | 3.56% | 3.63% | 3.76% | 3.81% | 3.89% | 3.95% | +32 bps | |
| Efficiency Ratio | 79.36% | 74.82% | 68.94% | 69.11% | 67.94% | 67.62% | 70.73% | 65.75% | -336 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.36% | -0.41% | 1.40% | 5.72% | 2.80% | 6.16% | 4.35% | 1.91% | -381 bps | |
| Loan Growth (YoY) | 5.46% | -0.74% | -1.61% | 1.22% | 4.63% | 6.38% | 5.32% | 3.96% | +274 bps | |
| Share Growth (YoY) | -4.43% | -1.87% | -0.01% | 4.48% | 4.92% | 5.28% | 3.19% | 0.76% | -372 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.21% | 0.84% | 0.75% | 0.90% | 0.84% | 0.92% | 0.64% | 0.98% | +9 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 | 8.50% | 9.11% | 9.28% | 9.47% | 9.80% | 9.97% | 10.25% | 10.58% | +111 bps | |
| Net Worth / Assets | 8.50% | 9.11% | 9.28% | 9.47% | 9.80% | 9.97% | 10.25% | 10.58% | +111 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 55.30% | 53.91% | 52.44% | 52.37% | 55.15% | 54.47% | 53.53% | 54.04% | +166 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Fresno, CA · Charter 23964 · Peer group: credit unions under $1B in assets in CA (n=62-63)
NCUA · 1 branch
Q2 2026
Return on Assets
2.00%
Rank 4 of 63
Net Interest Margin
3.95%
Rank 18 of 63
Efficiency Ratio
65.76%
Rank 13 of 63
Equity / Assets
10.58%
Rank 31 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.00% | 0.17% | 0.56% | 1.17% | Beats 94% | 4 / 63 | ||
| Return on Equity | 18.94% | 1.81% | 4.79% | 8.64% | Beats 95% | 3 / 63 | ||
| Net Interest Margin | 3.95% | 3.18% | 3.49% | 3.98% | Beats 71% | 18 / 63 | ||
| Efficiency Ratio | 65.76% | 70.58% | 81.25% | 89.21% | Beats 81% | 13 / 63 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.98% | 0.17% | 0.42% | 0.85% | Beats 19% | 51 / 62 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.58% | 8.61% | 10.56% | 14.01% | Beats 51% | 31 / 63 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.58% | 8.61% | 10.56% | 14.01% | Beats 51% | 31 / 63 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 54.04% | 53.46% | 72.75% | 85.33% | 26th pctl | 46 / 62 | ||
| Loans / Assets | 48.20% | 46.35% | 58.08% | 72.17% | 29th pctl | 45 / 63 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||