PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Utility District

Oakland, CA · Charter 61085

NCUA · 2 branches

Q2 2026

$34.2MAssets
$8.4MLoans
$30.8MShares
$3.2MNet Worth

Executive Summary

  • Earnings: ROA of 1.14%, up 46 bps year over year; NIM at 3.62%.
  • Asset quality: problem loans at 0.57% of loans (+28 bps YoY).
  • Capital: net worth / assets of 9.34%, up 69 bps from a year ago.
  • Funding: loans stand at 27.19% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.14%+46 bps YoY

Net Interest Margin (YTD, annualized)

3.62%+40 bps YoY

Efficiency Ratio (YTD, annualized)

68.56%-987 bps YoY

Net Worth / Assets

9.34%+69 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.12%0.09%0.52%0.67%0.62%0.68%0.58%1.14%+46 bps
Return on Equity-1.45%1.04%6.17%7.79%7.09%7.75%6.52%12.19%+440 bps
Net Interest Margin2.77%2.92%3.04%3.22%3.31%3.45%3.40%3.62%+40 bps
Efficiency Ratio99.69%94.40%84.65%78.42%79.13%75.84%80.80%68.56%-987 bps
Growth
Asset Growth (YoY)-8.49%-10.33%-6.44%-3.95%-1.26%3.38%1.81%2.73%+668 bps
Loan Growth (YoY)-11.68%-18.68%-21.32%-22.41%-19.25%-19.34%-13.37%-4.48%+1,793 bps
Share Growth (YoY)-7.82%-9.78%-5.62%-4.54%-2.29%3.10%1.12%2.16%+669 bps
Asset Quality
Delinquent Loans / Loans0.21%0.04%0.04%0.28%0.23%0.24%0.05%0.57%+28 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital8.00%8.43%8.39%8.66%8.74%8.83%8.93%9.34%+69 bps
Net Worth / Assets8.00%8.43%8.39%8.66%8.74%8.83%8.93%9.34%+69 bps
Liquidity & Funding
Loans / Shares34.57%33.68%30.60%29.08%28.57%26.35%26.22%27.19%-189 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps