Fresno, CA · Charter 60520
NCUA · 23 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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
90
Asset Quality
95
Profitability
75
Liquidity
0
Efficiency
95
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 60520
NCUA · 23 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 | 1.32% | 1.33% | 1.75% | 1.78% | 1.72% | 1.66% | 1.77% | 1.84% | +6 bps | |
| Return on Equity | 9.70% | 9.68% | 12.88% | 12.83% | 12.26% | 11.90% | 12.55% | 12.65% | -18 bps | |
| Net Interest Margin | 2.57% | 2.64% | 2.75% | 2.88% | 2.87% | 2.87% | 3.03% | 3.17% | +29 bps | |
| Efficiency Ratio | 61.37% | 60.94% | 55.40% | 54.52% | 54.43% | 55.27% | 54.25% | 54.12% | -40 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.72% | 1.37% | 3.60% | 6.79% | 8.78% | 11.55% | 8.99% | 7.47% | +69 bps | |
| Loan Growth (YoY) | 4.30% | 4.53% | 4.75% | 5.06% | 4.69% | 3.02% | 2.42% | 3.30% | -176 bps | |
| Share Growth (YoY) | 1.27% | 1.69% | 3.48% | 4.50% | 7.14% | 9.13% | 7.08% | 5.64% | +113 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.21% | 0.23% | 0.20% | 0.26% | 0.22% | 0.23% | 0.20% | 0.20% | -5 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 | 13.57% | 13.79% | 13.61% | 13.90% | 14.01% | 13.95% | 14.07% | 14.58% | +68 bps | |
| Net Worth / Assets | 13.57% | 13.79% | 13.61% | 13.90% | 14.01% | 13.95% | 14.07% | 14.58% | +68 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 52.69% | 53.60% | 51.40% | 51.29% | 51.49% | 50.60% | 49.16% | 50.16% | -114 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Fresno, CA · Charter 60520 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 23 branches
Q2 2026
Return on Assets
1.84%
Rank 9 of 435
Net Interest Margin
3.17%
Rank 283 of 435
Efficiency Ratio
54.12%
Rank 21 of 435
Equity / Assets
14.58%
Rank 42 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.84% | 0.55% | 0.81% | 1.14% | Beats 98% | 9 / 435 | ||
| Return on Equity | 12.65% | 5.12% | 7.41% | 9.70% | Beats 93% | 31 / 435 | ||
| Net Interest Margin | 3.17% | 3.01% | 3.39% | 3.75% | Beats 35% | 283 / 435 | ||
| Efficiency Ratio | 54.12% | 65.25% | 71.39% | 77.86% | Beats 95% | 21 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.20% | 0.45% | 0.69% | 1.05% | Beats 95% | 21 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.58% | 9.81% | 10.84% | 12.63% | Beats 90% | 42 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 14.58% | 9.81% | 10.84% | 12.63% | Beats 90% | 42 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 50.16% | 78.33% | 88.38% | 95.61% | 3rd pctl | 424 / 435 | ||
| Loans / Assets | 42.91% | 67.69% | 74.58% | 80.80% | 2nd pctl | 426 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||