PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Educational Employees

Fresno, CA · Charter 60520

NCUA · 23 branches

Q2 2026

$5.4BAssets
$2.3BLoans
$4.6BShares
$782.5MNet 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 1.84%, up 6 bps year over year; NIM at 3.17%.
  • Asset quality: problem loans at 0.20% of loans (-5 bps YoY).
  • Capital: net worth / assets of 14.58%, up 68 bps from a year ago.
  • Funding: loans stand at 50.16% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.84%+6 bps YoY

Net Interest Margin (YTD, annualized)

3.17%+29 bps YoY

Efficiency Ratio (YTD, annualized)

54.12%-40 bps YoY

Net Worth / Assets

14.58%+68 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.78%1.72%1.66%1.77%1.84%+6 bps
Return on Equity12.83%12.26%11.90%12.55%12.65%-18 bps
Net Interest Margin2.88%2.87%2.87%3.03%3.17%+29 bps
Efficiency Ratio54.52%54.43%55.27%54.25%54.12%-40 bps
Growth
Asset Growth (YoY)6.79%8.78%11.55%8.99%7.47%+69 bps
Loan Growth (YoY)5.06%4.69%3.02%2.42%3.30%-176 bps
Share Growth (YoY)4.50%7.14%9.13%7.08%5.64%+113 bps
Asset Quality
Delinquent Loans / Loans0.26%0.22%0.23%0.20%0.20%-5 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 Capital13.90%14.01%13.95%14.07%14.58%+68 bps
Net Worth / Assets13.90%14.01%13.95%14.07%14.58%+68 bps
Liquidity & Funding
Loans / Shares51.29%51.49%50.60%49.16%50.16%-114 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps