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 | |