Livermore, CA · Charter 24235
NCUA · 27 branches
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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
93
Asset Quality
60
Profitability
79
Liquidity
0
Efficiency
86
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.
Livermore, CA · Charter 24235
NCUA · 27 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.75% | 0.94% | 0.94% | 1.18% | 1.78% | +102 bps | |
| Return on Equity | 5.01% | 6.28% | 6.32% | 7.73% | 11.48% | +647 bps | |
| Net Interest Margin | 3.10% | 3.09% | 3.09% | 3.46% | 3.44% | +34 bps | |
| Efficiency Ratio | 74.24% | 72.16% | 69.72% | 68.80% | 60.47% | -1,377 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.44% | 8.54% | 9.67% | 7.09% | 7.24% | -21 bps | |
| Loan Growth (YoY) | -2.82% | -1.58% | 0.23% | 0.83% | 2.83% | +564 bps | |
| Share Growth (YoY) | 6.37% | 7.76% | 8.04% | 6.04% | 6.04% | -33 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.70% | 0.59% | 0.59% | 0.45% | 0.60% | -11 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.07% | 14.96% | 14.84% | 15.26% | 15.48% | +41 bps | |
| Net Worth / Assets | 15.07% | 14.96% | 14.84% | 15.26% | 15.48% | +41 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 62.15% | 60.74% | 59.69% | 60.50% | 60.26% | -188 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Livermore, CA · Charter 24235 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 27 branches
Q2 2026
Return on Assets
1.78%
Rank 14 of 435
Net Interest Margin
3.44%
Rank 201 of 435
Efficiency Ratio
60.47%
Rank 62 of 435
Equity / Assets
15.48%
Rank 30 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.78% | 0.55% | 0.81% | 1.14% | Beats 97% | 14 / 435 | |
| Return on Equity | 11.48% | 5.12% | 7.41% | 9.70% | Beats 87% | 56 / 435 | |
| Net Interest Margin | 3.44% | 3.01% | 3.39% | 3.75% | Beats 54% | 201 / 435 | |
| Efficiency Ratio | 60.47% | 65.25% | 71.39% | 77.86% | Beats 86% | 62 / 435 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.60% | 0.45% | 0.69% | 1.05% | Beats 60% | 173 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 15.48% | 9.81% | 10.84% | 12.63% | Beats 93% | 30 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 15.48% | 9.81% | 10.84% | 12.63% | Beats 93% | 30 / 435 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 60.26% | 78.33% | 88.38% | 95.61% | 8th pctl | 402 / 435 | |
| Loans / Assets | 50.92% | 67.69% | 74.58% | 80.80% | 7th pctl | 405 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||