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 | |