Ridgecrest, CA · Charter 5612
NCUA · 12 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 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
33
Asset Quality
37
Profitability
33
Liquidity
26
Efficiency
54
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.
Ridgecrest, CA · Charter 5612
NCUA · 12 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 | 0.10% | 0.04% | 0.05% | 0.22% | 0.17% | 0.17% | 0.08% | 0.17% | -5 bps | |
| Return on Equity | 0.99% | 0.46% | 0.56% | 2.32% | 1.84% | 1.87% | 0.94% | 1.81% | -51 bps | |
| Net Interest Margin | 3.15% | 3.22% | 3.25% | 3.34% | 3.41% | 3.47% | 3.46% | 3.52% | +18 bps | |
| Efficiency Ratio | 80.72% | 80.99% | 85.03% | 82.53% | 84.56% | 84.39% | 79.09% | 80.11% | -243 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.53% | 13.23% | 14.39% | 12.64% | 3.25% | 3.14% | 2.98% | 1.62% | -1,103 bps | |
| Loan Growth (YoY) | 11.21% | 13.42% | 20.22% | 13.64% | 9.56% | 6.70% | 0.87% | 1.81% | -1,183 bps | |
| Share Growth (YoY) | 9.41% | 12.01% | 13.25% | 14.10% | 3.42% | 2.80% | 2.91% | 1.32% | -1,279 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.74% | 0.84% | 0.77% | 0.77% | 0.81% | 0.76% | 0.59% | 0.70% | -6 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 | 9.84% | 9.64% | 9.31% | 9.35% | 9.27% | 9.16% | 9.07% | 9.19% | -16 bps | |
| Net Worth / Assets | 9.84% | 9.64% | 9.31% | 9.35% | 9.27% | 9.16% | 9.07% | 9.19% | -16 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 82.69% | 84.03% | 87.71% | 86.82% | 87.60% | 87.22% | 85.98% | 87.24% | +42 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Ridgecrest, CA · Charter 5612 · Peer group: credit unions under $1B in assets in CA (n=62-63)
NCUA · 12 branches
Q2 2026
Return on Assets
0.17%
Rank 48 of 63
Net Interest Margin
3.52%
Rank 31 of 63
Efficiency Ratio
80.11%
Rank 30 of 63
Equity / Assets
9.19%
Rank 42 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.17% | 0.17% | 0.56% | 1.17% | Beats 24% | 48 / 63 | ||
| Return on Equity | 1.81% | 1.81% | 4.79% | 8.64% | Beats 24% | 48 / 63 | ||
| Net Interest Margin | 3.52% | 3.18% | 3.49% | 3.98% | Beats 51% | 31 / 63 | ||
| Efficiency Ratio | 80.11% | 70.58% | 81.25% | 89.21% | Beats 54% | 30 / 63 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.70% | 0.17% | 0.42% | 0.85% | Beats 37% | 40 / 62 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.19% | 8.61% | 10.56% | 14.01% | Beats 33% | 42 / 63 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.19% | 8.61% | 10.56% | 14.01% | Beats 33% | 42 / 63 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 87.24% | 53.46% | 72.75% | 85.33% | 82nd pctl | 11 / 62 | ||
| Loans / Assets | 78.68% | 46.35% | 58.08% | 72.17% | 89th pctl | 7 / 63 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||