PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Chevron

Concord, CA · Charter 24326

NCUA · 22 branches

Q2 2026

$5.4BAssets
$4.1BLoans
$4.7BShares
$664.4MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.64%, up 233 bps year over year; NIM at 1.61%.
  • Asset quality: problem loans at 0.38% of loans (-7 bps YoY).
  • Capital: net worth / assets of 12.38%, down 32 bps from a year ago.
  • Funding: loans stand at 87.79% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.64%+233 bps YoY

Net Interest Margin (YTD, annualized)

1.61%+35 bps YoY

Efficiency Ratio (YTD, annualized)

45.72%-10,871 bps YoY

Net Worth / Assets

12.38%-32 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
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 Margin1.26%1.33%1.38%1.59%1.61%+35 bps
Efficiency Ratio154.42%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 / Loans0.45%0.37%0.36%0.37%0.38%-7 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.70%12.61%12.16%11.54%12.38%-32 bps
Net Worth / Assets12.70%12.61%12.16%11.54%12.38%-32 bps
Liquidity & Funding
Loans / Shares91.78%92.70%91.86%85.05%87.79%-399 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps