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 | |