Antioch, CA · Charter 24492
NCUA · 3 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 | 0.97% | 1.03% | 1.33% | 1.70% | 1.45% | 1.44% | 1.22% | 1.18% | -52 bps | |
| Return on Equity | 10.31% | 10.56% | 14.22% | 16.48% | 13.77% | 13.43% | 11.59% | 10.97% | -551 bps | |
| Net Interest Margin | 3.23% | 3.35% | 3.60% | 3.93% | 3.96% | 3.99% | 3.90% | 3.88% | -6 bps | |
| Efficiency Ratio | 75.81% | 74.98% | 67.20% | 63.80% | 67.59% | 67.78% | 70.51% | 71.31% | +751 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.01% | 4.57% | 10.71% | 2.86% | 3.16% | 4.68% | 1.83% | 7.60% | +474 bps | |
| Loan Growth (YoY) | 5.01% | 4.66% | 3.99% | 7.36% | 2.70% | 4.73% | 6.71% | -0.29% | -766 bps | |
| Share Growth (YoY) | 1.15% | 3.60% | 4.19% | 1.49% | 1.85% | 3.48% | 6.38% | 6.76% | +527 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.38% | 0.19% | 0.24% | 0.07% | 0.08% | 0.00% | 0.03% | 0.00% | -6 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 | 9.44% | 9.77% | 9.38% | 10.33% | 10.50% | 10.76% | 10.55% | 10.74% | +41 bps | |
| Net Worth / Assets | 9.44% | 9.77% | 9.38% | 10.33% | 10.50% | 10.76% | 10.55% | 10.74% | +41 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 52.10% | 53.11% | 51.86% | 53.46% | 52.53% | 53.75% | 52.02% | 49.93% | -354 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |