Concord, CA · Charter 24326
NCUA · 22 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
72
Asset Quality
83
Profitability
64
Liquidity
97
Efficiency
99
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.
Concord, CA · Charter 24326
NCUA · 22 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 | -0.70% | -0.46% | -0.35% | 0.55% | 1.64% | +233 bps | |
| Return on Equity | -5.49% | -3.64% | -2.88% | 4.76% | 13.21% | +1,871 bps | |
| Net Interest Margin | 1.26% | 1.33% | 1.38% | 1.59% | 1.61% | +35 bps | |
| Efficiency Ratio | 154.42% | 124.90% | 111.13% | 69.10% | 45.72% | -10,871 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.30% | 4.17% | 3.96% | 6.76% | 7.23% | +393 bps | |
| Loan Growth (YoY) | -1.55% | 0.64% | 1.94% | 2.15% | 3.20% | +476 bps | |
| Share Growth (YoY) | 4.45% | 4.99% | 4.89% | 7.73% | 7.89% | +345 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.45% | 0.37% | 0.36% | 0.37% | 0.38% | -7 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 | 12.70% | 12.61% | 12.16% | 11.54% | 12.38% | -32 bps | |
| Net Worth / Assets | 12.70% | 12.61% | 12.16% | 11.54% | 12.38% | -32 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 91.78% | 92.70% | 91.86% | 85.05% | 87.79% | -399 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Concord, CA · Charter 24326 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 22 branches
Q2 2026
Return on Assets
1.64%
Rank 22 of 435
Net Interest Margin
1.61%
Rank 429 of 435
Efficiency Ratio
45.72%
Rank 6 of 435
Equity / Assets
12.38%
Rank 120 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.64% | 0.55% | 0.81% | 1.14% | Beats 95% | 22 / 435 | |
| Return on Equity | 13.21% | 5.12% | 7.41% | 9.70% | Beats 95% | 22 / 435 | |
| Net Interest Margin | 1.61% | 3.01% | 3.39% | 3.75% | Beats 1% | 429 / 435 | |
| Efficiency Ratio | 45.72% | 65.25% | 71.39% | 77.86% | Beats 99% | 6 / 435 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.38% | 0.45% | 0.69% | 1.05% | Beats 83% | 74 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 12.38% | 9.81% | 10.84% | 12.63% | Beats 72% | 120 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 12.38% | 9.81% | 10.84% | 12.63% | Beats 72% | 120 / 435 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 87.79% | 78.33% | 88.38% | 95.61% | 48th pctl | 225 / 435 | |
| Loans / Assets | 76.51% | 67.69% | 74.58% | 80.80% | 57th pctl | 188 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||