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 | |