Turlock, CA · Charter 61128
NCUA · 2 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 under $1B in assets in CA (n=62 to 63). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
59
Asset Quality
27
Profitability
60
Liquidity
59
Efficiency
73
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.
Turlock, CA · Charter 61128
NCUA · 2 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 | 0.29% | 0.28% | 1.33% | 0.81% | 0.81% | 0.68% | 1.07% | 0.91% | +10 bps | |
| Return on Equity | 2.77% | 2.65% | 12.08% | 7.02% | 7.11% | 5.93% | 9.30% | 7.58% | +56 bps | |
| Net Interest Margin | 2.76% | 2.80% | 2.94% | 3.07% | 3.05% | 3.12% | 3.25% | 3.49% | +42 bps | |
| Efficiency Ratio | 86.49% | 86.66% | 68.57% | 76.20% | 79.07% | 79.68% | 67.94% | 71.58% | -461 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.63% | -1.48% | -5.75% | -6.83% | -2.84% | -2.31% | 2.52% | 1.20% | +803 bps | |
| Loan Growth (YoY) | -1.87% | -6.61% | -9.92% | -9.01% | -6.54% | -2.46% | 4.45% | 4.88% | +1,389 bps | |
| Share Growth (YoY) | 2.20% | -1.15% | -6.33% | -8.17% | -3.40% | -2.51% | 2.81% | 1.23% | +941 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.55% | 0.59% | 0.19% | 0.24% | 0.46% | 0.52% | 0.85% | 0.80% | +56 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 | 10.45% | 10.64% | 11.05% | 11.48% | 11.33% | 11.43% | 11.46% | 11.97% | +50 bps | |
| Net Worth / Assets | 10.45% | 10.64% | 11.05% | 11.48% | 11.33% | 11.43% | 11.46% | 11.97% | +50 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 57.69% | 55.95% | 56.23% | 57.40% | 55.81% | 55.97% | 57.12% | 59.46% | +207 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Turlock, CA · Charter 61128 · Peer group: credit unions under $1B in assets in CA (n=62-63)
NCUA · 2 branches
Q2 2026
Return on Assets
0.91%
Rank 20 of 63
Net Interest Margin
3.48%
Rank 34 of 63
Efficiency Ratio
71.64%
Rank 18 of 63
Equity / Assets
11.97%
Rank 26 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.91% | 0.17% | 0.56% | 1.17% | Beats 68% | 20 / 63 | ||
| Return on Equity | 7.58% | 1.81% | 4.79% | 8.64% | Beats 67% | 21 / 63 | ||
| Net Interest Margin | 3.48% | 3.18% | 3.49% | 3.98% | Beats 46% | 34 / 63 | ||
| Efficiency Ratio | 71.64% | 70.58% | 81.25% | 89.21% | Beats 73% | 18 / 63 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.80% | 0.17% | 0.42% | 0.85% | Beats 27% | 46 / 62 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.97% | 8.61% | 10.56% | 14.01% | Beats 59% | 26 / 63 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.97% | 8.61% | 10.56% | 14.01% | Beats 59% | 26 / 63 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 59.46% | 53.46% | 72.75% | 85.33% | 37th pctl | 39 / 62 | ||
| Loans / Assets | 52.19% | 46.35% | 58.08% | 72.17% | 38th pctl | 39 / 63 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||