Richmond, CA · Charter 5359
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 | 1.21% | 1.24% | 0.85% | 1.06% | 1.07% | 0.84% | 0.74% | 0.96% | -10 bps | |
| Return on Equity | 6.25% | 6.20% | 4.26% | 5.29% | 5.30% | 4.12% | 3.64% | 4.69% | -60 bps | |
| Net Interest Margin | 4.26% | 4.38% | 4.43% | 4.48% | 4.48% | 4.53% | 4.28% | 4.21% | -27 bps | |
| Efficiency Ratio | 66.05% | 65.69% | 66.69% | 66.49% | 65.92% | 68.70% | 72.17% | 73.72% | +723 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.15% | -2.38% | -1.01% | 0.08% | 1.20% | 2.36% | 2.56% | 2.03% | +195 bps | |
| Loan Growth (YoY) | 4.92% | 3.28% | 0.14% | -1.47% | -5.81% | -2.05% | -3.64% | -6.37% | -490 bps | |
| Share Growth (YoY) | -7.04% | -4.24% | -2.38% | -0.80% | -0.13% | 3.88% | 1.89% | 3.09% | +390 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.68% | 0.94% | 0.54% | 0.70% | 1.98% | 0.95% | 0.82% | 1.16% | +46 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 | 19.36% | 20.04% | 19.95% | 20.12% | 20.23% | 20.42% | 20.25% | 20.51% | +39 bps | |
| Net Worth / Assets | 19.36% | 20.04% | 19.95% | 20.12% | 20.23% | 20.42% | 20.25% | 20.51% | +39 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 48.36% | 49.03% | 46.66% | 46.55% | 45.61% | 46.23% | 44.13% | 42.28% | -427 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |