Central State
Stockton, CA · Charter 60363 · Peer group: credit unions under $1B in assets in CA (n=62-63)
NCUA · 4 branches
Q2 2026
$258.2MAssets
$86.2MLoans
$211.3MShares
$23.3MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 53% of credit unions under $1B in assets in CA (rank 30 of 62).
- Widest gap: efficiency ratio trails 84% of credit unions under $1B in assets in CA (rank 54 of 63).
- Overall: at or above the peer median on 1 of 7 directional measures.
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 |