Fresno, CA · Charter 60408
NCUA · 2 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
94
Asset Quality
73
Profitability
29
Liquidity
56
Efficiency
10
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.
Fresno, CA · Charter 60408
NCUA · 2 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.53% | 0.58% | 0.57% | -0.31% | -0.05% | -59 bps | |
| Return on Equity | 2.71% | 2.93% | 2.84% | -1.59% | -0.26% | -298 bps | |
| Net Interest Margin | 3.84% | 3.88% | 3.91% | 3.75% | 3.81% | -2 bps | |
| Efficiency Ratio | 83.98% | 81.46% | 82.42% | 93.99% | 93.86% | +988 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.79% | -1.73% | -1.11% | -1.66% | -1.47% | +132 bps | |
| Loan Growth (YoY) | -4.96% | -1.56% | -8.39% | -9.79% | -1.58% | +338 bps | |
| Share Growth (YoY) | -4.94% | -2.88% | -2.29% | -2.45% | -1.79% | +315 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.16% | 0.23% | 0.32% | 0.41% | 0.20% | +4 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 19.61% | 19.85% | 20.02% | 19.78% | 20.14% | +53 bps | |
| Net Worth / Assets | 19.61% | 19.85% | 20.02% | 19.78% | 20.14% | +53 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 80.55% | 80.51% | 75.70% | 71.84% | 80.72% | +17 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Fresno, CA · Charter 60408 · Peer group: credit unions under $1B in assets in CA (n=62-63)
NCUA · 2 branches
Q2 2026
Return on Assets
-0.05%
Rank 56 of 63
Net Interest Margin
3.81%
Rank 23 of 63
Efficiency Ratio
93.87%
Rank 58 of 63
Equity / Assets
20.14%
Rank 4 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.05% | 0.17% | 0.56% | 1.17% | Beats 11% | 56 / 63 | |
| Return on Equity | -0.27% | 1.81% | 4.79% | 8.64% | Beats 13% | 55 / 63 | |
| Net Interest Margin | 3.81% | 3.18% | 3.49% | 3.98% | Beats 63% | 23 / 63 | |
| Efficiency Ratio | 93.87% | 70.58% | 81.25% | 89.21% | Beats 10% | 58 / 63 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.20% | 0.17% | 0.42% | 0.85% | Beats 73% | 18 / 62 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 20.14% | 8.61% | 10.56% | 14.01% | Beats 94% | 4 / 63 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 20.14% | 8.61% | 10.56% | 14.01% | Beats 94% | 4 / 63 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 80.72% | 53.46% | 72.75% | 85.33% | 66th pctl | 21 / 62 | |
| Loans / Assets | 64.05% | 46.35% | 58.08% | 72.17% | 56th pctl | 28 / 63 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||