Fresno, CA · Charter 60408
NCUA · 2 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 | 0.89% | 0.87% | 0.69% | 0.53% | 0.58% | 0.57% | -0.31% | -0.05% | -59 bps | |
| Return on Equity | 4.71% | 4.49% | 3.59% | 2.71% | 2.93% | 2.84% | -1.59% | -0.26% | -298 bps | |
| Net Interest Margin | 3.80% | 3.84% | 3.80% | 3.84% | 3.88% | 3.91% | 3.75% | 3.81% | -2 bps | |
| Efficiency Ratio | 78.16% | 79.35% | 81.09% | 83.98% | 81.46% | 82.42% | 93.99% | 93.86% | +988 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.60% | -1.78% | -2.31% | -2.79% | -1.73% | -1.11% | -1.66% | -1.47% | +132 bps | |
| Loan Growth (YoY) | -5.47% | -0.92% | -4.86% | -4.96% | -1.56% | -8.39% | -9.79% | -1.58% | +338 bps | |
| Share Growth (YoY) | -5.44% | -4.00% | -4.02% | -4.94% | -2.88% | -2.29% | -2.45% | -1.79% | +315 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.16% | 0.24% | 0.28% | 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 | 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 | 18.93% | 19.28% | 19.19% | 19.61% | 19.85% | 20.02% | 19.78% | 20.14% | +53 bps | |
| Net Worth / Assets | 18.93% | 19.28% | 19.19% | 19.61% | 19.85% | 20.02% | 19.78% | 20.14% | +53 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 79.43% | 80.74% | 77.69% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |