Fresno, CA · Charter 24552
NCUA · 9 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 | 0.80% | 0.80% | 0.83% | 0.71% | 0.67% | 0.69% | 0.69% | 0.82% | +11 bps | |
| Return on Equity | 7.94% | 7.74% | 8.29% | 6.95% | 6.51% | 6.92% | 7.16% | 8.37% | +142 bps | |
| Net Interest Margin | 3.24% | 3.30% | 3.34% | 3.42% | 3.51% | 3.40% | 3.42% | 3.45% | +4 bps | |
| Efficiency Ratio | 74.21% | 74.91% | 74.99% | 77.16% | 78.35% | 78.17% | 74.88% | 73.60% | -356 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.69% | 3.20% | 5.37% | 5.57% | 4.66% | 9.86% | 11.28% | 12.24% | +668 bps | |
| Loan Growth (YoY) | 10.63% | 7.28% | 9.34% | 3.37% | -2.02% | -1.53% | -3.40% | -2.96% | -633 bps | |
| Share Growth (YoY) | 1.53% | 2.96% | 4.58% | 5.28% | 4.24% | 7.15% | 3.33% | 4.65% | -63 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.58% | 0.51% | 0.58% | 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 | 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 | 10.10% | 10.29% | 10.05% | 10.19% | 10.29% | 10.01% | 9.62% | 9.78% | -41 bps | |
| Net Worth / Assets | 10.10% | 10.29% | 10.05% | 10.19% | 10.29% | 10.01% | 9.62% | 9.78% | -41 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.64% | 81.06% | 78.82% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |