PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Central State

Stockton, CA · Charter 60363

NCUA · 4 branches

Q2 2026

$258.2MAssets
$86.2MLoans
$211.3MShares
$23.3MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.28%, down 1 bps year over year; NIM at 3.05%.
  • Asset quality: problem loans at 0.40% of loans (-9 bps YoY).
  • Capital: net worth / assets of 9.01%, down 63 bps from a year ago.
  • Funding: loans stand at 40.80% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.28%-1 bps YoY

Net Interest Margin (YTD, annualized)

3.05%+49 bps YoY

Efficiency Ratio (YTD, annualized)

91.71%+1,096 bps YoY

Net Worth / Assets

9.01%-63 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.29%0.28%0.30%-0.03%0.28%-1 bps
Return on Equity3.01%2.82%3.04%-0.29%3.13%+12 bps
Net Interest Margin2.56%2.77%2.91%2.95%3.05%+49 bps
Efficiency Ratio80.75%83.13%84.86%95.10%91.71%+1,096 bps
Growth
Asset Growth (YoY)-0.85%-2.42%-2.43%6.84%10.44%+1,129 bps
Loan Growth (YoY)-17.33%-3.48%1.86%42.14%42.11%+5,944 bps
Share Growth (YoY)-2.76%-3.77%-5.24%-7.59%-3.84%-108 bps
Asset Quality
Delinquent Loans / Loans0.49%0.34%0.27%0.01%0.40%-9 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.64%9.85%10.01%8.97%9.01%-63 bps
Net Worth / Assets9.64%9.85%10.01%8.97%9.01%-63 bps
Liquidity & Funding
Loans / Shares27.61%30.58%30.53%40.16%40.80%+1,319 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps