Santa Rosa, CA · Charter 60793
NCUA · 24 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 | 1.31% | 1.27% | 1.32% | 1.38% | 1.43% | 1.44% | 1.46% | 1.34% | -4 bps | |
| Return on Equity | 10.38% | 10.22% | 10.65% | 10.95% | 11.25% | 11.21% | 11.25% | 10.76% | -19 bps | |
| Net Interest Margin | 3.17% | 3.12% | 3.30% | 3.40% | 3.45% | 3.49% | 3.61% | 3.39% | -1 bps | |
| Efficiency Ratio | 57.55% | 58.06% | 55.09% | 53.96% | 52.87% | 53.18% | 52.37% | 52.53% | -143 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.66% | 7.05% | 5.16% | 10.56% | 9.79% | 7.12% | 6.01% | 12.64% | +208 bps | |
| Loan Growth (YoY) | 7.25% | 8.76% | 10.51% | 12.92% | 13.64% | 14.37% | 14.99% | 15.07% | +214 bps | |
| Share Growth (YoY) | 12.08% | 14.58% | 11.41% | 9.55% | 8.52% | 6.18% | 4.85% | 12.63% | +308 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.60% | 0.73% | 0.58% | 0.58% | 0.61% | 0.71% | 0.69% | 0.72% | +15 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 | 12.60% | 12.38% | 12.35% | 12.56% | 12.73% | 12.89% | 13.01% | 12.41% | -14 bps | |
| Net Worth / Assets | 12.60% | 12.38% | 12.35% | 12.56% | 12.73% | 12.89% | 13.01% | 12.41% | -14 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 86.67% | 86.72% | 86.40% | 89.44% | 90.75% | 93.41% | 94.76% | 91.37% | +193 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |