Bakersfield, CA · Charter 6032
NCUA · 4 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 | 1.47% | 1.10% | -0.19% | 0.40% | 0.53% | 0.51% | -0.13% | 0.31% | -9 bps | |
| Return on Equity | 10.54% | 7.91% | -1.39% | 2.80% | 3.69% | 3.56% | -0.95% | 2.17% | -64 bps | |
| Net Interest Margin | 4.36% | 4.36% | 4.25% | 4.50% | 4.55% | 4.58% | 4.28% | 4.61% | +11 bps | |
| Efficiency Ratio | 66.88% | 69.21% | 85.31% | 78.86% | 78.75% | 79.20% | 87.30% | 82.25% | +339 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.19% | -0.47% | -1.77% | -1.23% | -0.53% | -1.03% | 0.84% | 1.89% | +311 bps | |
| Loan Growth (YoY) | -2.96% | -5.75% | -3.91% | -3.19% | -1.48% | 1.69% | 0.38% | -0.50% | +269 bps | |
| Share Growth (YoY) | 0.36% | 1.50% | 0.46% | -1.26% | -1.17% | -1.22% | 0.66% | 2.08% | +334 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.48% | 0.78% | 0.42% | 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 | 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 | 13.95% | 13.90% | 13.71% | 14.15% | 14.40% | 14.32% | 13.96% | 14.20% | +6 bps | |
| Net Worth / Assets | 13.95% | 13.90% | 13.71% | 14.15% | 14.40% | 14.32% | 13.96% | 14.20% | +6 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 88.99% | 87.31% | 85.51% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |