Bakersfield, CA · Charter 6032
NCUA · 4 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
76
Asset Quality
68
Profitability
49
Liquidity
35
Efficiency
43
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.
Bakersfield, CA · Charter 6032
NCUA · 4 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.40% | 0.53% | 0.51% | -0.13% | 0.31% | -9 bps | |
| Return on Equity | 2.80% | 3.69% | 3.56% | -0.95% | 2.17% | -64 bps | |
| Net Interest Margin | 4.50% | 4.55% | 4.58% | 4.28% | 4.61% | +11 bps | |
| Efficiency Ratio | 78.86% | 78.75% | 79.20% | 87.30% | 82.25% | +339 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.23% | -0.53% | -1.03% | 0.84% | 1.89% | +311 bps | |
| Loan Growth (YoY) | -3.19% | -1.48% | 1.69% | 0.38% | -0.50% | +269 bps | |
| Share Growth (YoY) | -1.26% | -1.17% | -1.22% | 0.66% | 2.08% | +334 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.34% | 0.33% | 0.38% | 0.31% | 0.23% | -11 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.15% | 14.40% | 14.32% | 13.96% | 14.20% | +6 bps | |
| Net Worth / Assets | 14.15% | 14.40% | 14.32% | 13.96% | 14.20% | +6 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 87.54% | 88.71% | 89.88% | 85.27% | 85.33% | -221 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Bakersfield, CA · Charter 6032 · Peer group: credit unions under $1B in assets in CA (n=62-63)
NCUA · 4 branches
Q2 2026
Return on Assets
0.31%
Rank 42 of 63
Net Interest Margin
4.61%
Rank 7 of 63
Efficiency Ratio
82.25%
Rank 37 of 63
Equity / Assets
14.20%
Rank 15 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.31% | 0.17% | 0.56% | 1.17% | Beats 33% | 42 / 63 | |
| Return on Equity | 2.17% | 1.81% | 4.79% | 8.64% | Beats 25% | 47 / 63 | |
| Net Interest Margin | 4.61% | 3.18% | 3.49% | 3.98% | Beats 89% | 7 / 63 | |
| Efficiency Ratio | 82.25% | 70.58% | 81.25% | 89.21% | Beats 43% | 37 / 63 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.23% | 0.17% | 0.42% | 0.85% | Beats 68% | 21 / 62 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 14.20% | 8.61% | 10.56% | 14.01% | Beats 76% | 15 / 63 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 14.20% | 8.61% | 10.56% | 14.01% | Beats 76% | 15 / 63 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 85.33% | 53.46% | 72.75% | 85.33% | 74th pctl | 16 / 62 | |
| Loans / Assets | 72.17% | 46.35% | 58.08% | 72.17% | 75th pctl | 16 / 63 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||