First California
Fresno, CA · Charter 23964 · Peer group: credit unions under $1B in assets in CA (n=62-63)
NCUA · 1 branch
Q2 2026
$109.7MAssets
$52.9MLoans
$97.8MShares
$11.6MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 95% of credit unions under $1B in assets in CA (rank 3 of 63).
- Widest gap: nonperforming loans / loans trails 81% of credit unions under $1B in assets in CA (rank 51 of 62).
- Overall: at or above the peer median on 6 of 7 directional measures.
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 | 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 |