Stockton, CA · Charter 60363
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
32
Asset Quality
53
Profitability
25
Liquidity
0
Efficiency
16
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.
Stockton, CA · Charter 60363
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 | -0.05% | 0.10% | 0.29% | 0.29% | 0.28% | 0.30% | -0.03% | 0.28% | -1 bps | |
| Return on Equity | -0.57% | 1.07% | 3.11% | 3.01% | 2.82% | 3.04% | -0.29% | 3.13% | +12 bps | |
| Net Interest Margin | 2.30% | 2.30% | 2.33% | 2.56% | 2.77% | 2.91% | 2.95% | 3.05% | +49 bps | |
| Efficiency Ratio | 94.38% | 88.02% | 79.64% | 80.75% | 83.13% | 84.86% | 95.10% | 91.71% | +1,096 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.26% | 2.43% | 1.26% | -0.85% | -2.42% | -2.43% | 6.84% | 10.44% | +1,129 bps | |
| Loan Growth (YoY) | -26.32% | -26.65% | -26.29% | -17.33% | -3.48% | 1.86% | 42.14% | 42.11% | +5,944 bps | |
| Share Growth (YoY) | -0.79% | 2.14% | -0.16% | -2.76% | -3.77% | -5.24% | -7.59% | -3.84% | -108 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.48% | 0.73% | 0.44% | 0.49% | 0.34% | 0.27% | 0.01% | 0.40% | -9 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 | 9.27% | 9.47% | 9.37% | 9.64% | 9.85% | 10.01% | 8.97% | 9.01% | -63 bps | |
| Net Worth / Assets | 9.27% | 9.47% | 9.37% | 9.64% | 9.85% | 10.01% | 8.97% | 9.01% | -63 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 30.49% | 28.40% | 26.11% | 27.61% | 30.58% | 30.53% | 40.16% | 40.80% | +1,319 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Stockton, CA · Charter 60363 · Peer group: credit unions under $1B in assets in CA (n=62-63)
NCUA · 4 branches
Q2 2026
Return on Assets
0.28%
Rank 46 of 63
Net Interest Margin
3.05%
Rank 53 of 63
Efficiency Ratio
91.71%
Rank 54 of 63
Equity / Assets
9.01%
Rank 43 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.28% | 0.17% | 0.56% | 1.17% | Beats 27% | 46 / 63 | ||
| Return on Equity | 3.13% | 1.81% | 4.79% | 8.64% | Beats 33% | 42 / 63 | ||
| Net Interest Margin | 3.05% | 3.18% | 3.49% | 3.98% | Beats 16% | 53 / 63 | ||
| Efficiency Ratio | 91.71% | 70.58% | 81.25% | 89.21% | Beats 16% | 54 / 63 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.40% | 0.17% | 0.42% | 0.85% | Beats 53% | 30 / 62 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.01% | 8.61% | 10.56% | 14.01% | Beats 32% | 43 / 63 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.01% | 8.61% | 10.56% | 14.01% | Beats 32% | 43 / 63 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 40.80% | 53.46% | 72.75% | 85.33% | 6th pctl | 58 / 62 | ||
| Loans / Assets | 33.38% | 46.35% | 58.08% | 72.17% | 2nd pctl | 62 / 63 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||