Rolling F
Turlock, CA · Charter 61128 · Peer group: credit unions under $1B in assets in CA (n=62-63)
NCUA · 2 branches
Q2 2026
$63.9MAssets
$33.3MLoans
$56.1MShares
$7.6MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 73% of credit unions under $1B in assets in CA (rank 18 of 63).
- Widest gap: nonperforming loans / loans trails 73% of credit unions under $1B in assets in CA (rank 46 of 62).
- Overall: at or above the peer median on 5 of 7 directional measures.
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 | 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 |