Livermore, CA · Charter 24235
NCUA · 27 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.72% | 0.76% | 0.55% | 0.75% | 0.94% | 0.94% | 1.18% | 1.78% | +102 bps | |
| Return on Equity | 4.68% | 5.00% | 3.61% | 5.01% | 6.28% | 6.32% | 7.73% | 11.48% | +647 bps | |
| Net Interest Margin | 3.10% | 3.08% | 3.12% | 3.10% | 3.09% | 3.09% | 3.46% | 3.44% | +34 bps | |
| Efficiency Ratio | 73.80% | 73.09% | 77.51% | 74.24% | 72.16% | 69.72% | 68.80% | 60.47% | -1,377 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.99% | 2.94% | 4.37% | 7.44% | 8.54% | 9.67% | 7.09% | 7.24% | -21 bps | |
| Loan Growth (YoY) | -4.80% | -5.07% | -3.31% | -2.82% | -1.58% | 0.23% | 0.83% | 2.83% | +564 bps | |
| Share Growth (YoY) | 1.11% | 2.34% | 3.45% | 6.37% | 7.76% | 8.04% | 6.04% | 6.04% | -33 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.70% | 0.68% | 0.46% | 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 | 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 | 15.27% | 15.28% | 15.19% | 15.07% | 14.96% | 14.84% | 15.26% | 15.48% | +41 bps | |
| Net Worth / Assets | 15.27% | 15.28% | 15.19% | 15.07% | 14.96% | 14.84% | 15.26% | 15.48% | +41 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.51% | 64.34% | 63.63% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |