Fresno, CA · Charter 24552
NCUA · 9 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
24
Asset Quality
39
Profitability
56
Liquidity
32
Efficiency
42
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.
Fresno, CA · Charter 24552
NCUA · 9 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 | 0.71% | 0.67% | 0.69% | 0.69% | 0.82% | +11 bps | |
| Return on Equity | 6.95% | 6.51% | 6.92% | 7.16% | 8.37% | +142 bps | |
| Net Interest Margin | 3.42% | 3.51% | 3.40% | 3.42% | 3.45% | +4 bps | |
| Efficiency Ratio | 77.16% | 78.35% | 78.17% | 74.88% | 73.60% | -356 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.57% | 4.66% | 9.86% | 11.28% | 12.24% | +668 bps | |
| Loan Growth (YoY) | 3.37% | -2.02% | -1.53% | -3.40% | -2.96% | -633 bps | |
| Share Growth (YoY) | 5.28% | 4.24% | 7.15% | 3.33% | 4.65% | -63 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.62% | 0.75% | 0.80% | 0.71% | 0.82% | +19 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 | 10.19% | 10.29% | 10.01% | 9.62% | 9.78% | -41 bps | |
| Net Worth / Assets | 10.19% | 10.29% | 10.01% | 9.62% | 9.78% | -41 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 78.04% | 76.74% | 74.49% | 73.69% | 72.36% | -568 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Fresno, CA · Charter 24552 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 9 branches
Q2 2026
Return on Assets
0.82%
Rank 214 of 435
Net Interest Margin
3.45%
Rank 194 of 435
Efficiency Ratio
73.60%
Rank 252 of 435
Equity / Assets
9.78%
Rank 331 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.82% | 0.55% | 0.81% | 1.14% | Beats 51% | 214 / 435 | |
| Return on Equity | 8.37% | 5.12% | 7.41% | 9.70% | Beats 62% | 165 / 435 | |
| Net Interest Margin | 3.45% | 3.01% | 3.39% | 3.75% | Beats 55% | 194 / 435 | |
| Efficiency Ratio | 73.60% | 65.25% | 71.39% | 77.86% | Beats 42% | 252 / 435 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.82% | 0.45% | 0.69% | 1.05% | Beats 39% | 267 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.78% | 9.81% | 10.84% | 12.63% | Beats 24% | 331 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.78% | 9.81% | 10.84% | 12.63% | Beats 24% | 331 / 435 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 72.36% | 78.33% | 88.38% | 95.61% | 16th pctl | 364 / 435 | |
| Loans / Assets | 55.35% | 67.69% | 74.58% | 80.80% | 10th pctl | 391 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||