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 | |