Modesto, CA · Charter 4022
NCUA · 1 branch
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 under $1B in assets in CA (n=62 to 63). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
29
Asset Quality
18
Profitability
65
Liquidity
50
Efficiency
94
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.
Modesto, CA · Charter 4022
NCUA · 1 branch
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 | 0.38% | 0.59% | 0.78% | 0.90% | 0.53% | 0.61% | 1.19% | 0.88% | -2 bps | |
| Return on Equity | 3.78% | 5.69% | 7.74% | 8.80% | 5.41% | 6.54% | 13.30% | 9.92% | +112 bps | |
| Net Interest Margin | 2.91% | 3.01% | 3.49% | 3.63% | 3.70% | 3.51% | 3.48% | 3.56% | -7 bps | |
| Efficiency Ratio | 78.00% | 74.95% | 65.31% | 64.09% | 62.57% | 60.69% | 61.26% | 59.74% | -435 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.74% | 7.52% | 9.40% | 12.90% | 11.43% | 19.02% | 22.99% | 24.33% | +1,143 bps | |
| Loan Growth (YoY) | 1.85% | 6.13% | 9.96% | 13.81% | 22.47% | 20.22% | 17.82% | 18.58% | +477 bps | |
| Share Growth (YoY) | 5.16% | 7.82% | 9.55% | 13.33% | 12.09% | 20.65% | 24.90% | 25.83% | +1,250 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.35% | 0.66% | 0.80% | 1.22% | 0.89% | 1.06% | 0.45% | 0.99% | -23 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 | 10.15% | 10.30% | 10.11% | 10.19% | 9.79% | 9.26% | 8.93% | 8.83% | -137 bps | |
| Net Worth / Assets | 10.15% | 10.30% | 10.11% | 10.19% | 9.79% | 9.26% | 8.93% | 8.83% | -137 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 83.53% | 84.97% | 84.71% | 87.00% | 91.26% | 84.66% | 79.90% | 81.98% | -501 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Modesto, CA · Charter 4022 · Peer group: credit unions under $1B in assets in CA (n=62-63)
NCUA · 1 branch
Q2 2026
Return on Assets
0.88%
Rank 22 of 63
Net Interest Margin
3.56%
Rank 30 of 63
Efficiency Ratio
59.79%
Rank 5 of 63
Equity / Assets
8.82%
Rank 45 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.88% | 0.17% | 0.56% | 1.17% | Beats 65% | 22 / 63 | ||
| Return on Equity | 9.92% | 1.81% | 4.79% | 8.64% | Beats 79% | 13 / 63 | ||
| Net Interest Margin | 3.56% | 3.18% | 3.49% | 3.98% | Beats 52% | 30 / 63 | ||
| Efficiency Ratio | 59.79% | 70.58% | 81.25% | 89.21% | Beats 94% | 5 / 63 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.99% | 0.17% | 0.42% | 0.85% | Beats 18% | 52 / 62 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 8.82% | 8.61% | 10.56% | 14.01% | Beats 29% | 45 / 63 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 8.82% | 8.61% | 10.56% | 14.01% | Beats 29% | 45 / 63 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 81.98% | 53.46% | 72.75% | 85.33% | 71st pctl | 18 / 62 | ||
| Loans / Assets | 74.36% | 46.35% | 58.08% | 72.17% | 83rd pctl | 11 / 63 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||