Concord, CA · Charter 24326
NCUA · 22 branches
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 | 0.55% | 0.66% | -0.82% | -0.70% | -0.46% | -0.35% | 0.55% | 1.64% | +233 bps | |
| Return on Equity | 4.08% | 4.93% | -6.50% | -5.49% | -3.64% | -2.88% | 4.76% | 13.21% | +1,871 bps | |
| Net Interest Margin | 0.93% | 0.93% | 1.15% | 1.26% | 1.33% | 1.38% | 1.59% | 1.61% | +35 bps | |
| Efficiency Ratio | 73.10% | 69.13% | 205% | 154.42% | 124.90% | 111.13% | 69.10% | 45.72% | -10,871 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.10% | 5.12% | 3.23% | 3.30% | 4.17% | 3.96% | 6.76% | 7.23% | +393 bps | |
| Loan Growth (YoY) | -1.72% | -1.98% | -2.03% | -1.55% | 0.64% | 1.94% | 2.15% | 3.20% | +476 bps | |
| Share Growth (YoY) | 2.43% | 5.11% | 3.28% | 4.45% | 4.99% | 4.89% | 7.73% | 7.89% | +345 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.38% | 0.41% | 0.33% | 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 | 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 | 13.56% | 13.31% | 12.61% | 12.70% | 12.61% | 12.16% | 11.54% | 12.38% | -32 bps | |
| Net Worth / Assets | 13.56% | 13.31% | 12.61% | 12.70% | 12.61% | 12.16% | 11.54% | 12.38% | -32 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 96.70% | 94.52% | 89.70% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |