Turlock, CA · Charter 61128
NCUA · 2 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.81% | 0.81% | 0.68% | 1.07% | 0.91% | +10 bps | |
| Return on Equity | 7.02% | 7.11% | 5.93% | 9.30% | 7.58% | +56 bps | |
| Net Interest Margin | 3.07% | 3.05% | 3.12% | 3.25% | 3.49% | +42 bps | |
| Efficiency Ratio | 76.20% | 79.07% | 79.68% | 67.94% | 71.58% | -461 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.83% | -2.84% | -2.31% | 2.52% | 1.20% | +803 bps | |
| Loan Growth (YoY) | -9.01% | -6.54% | -2.46% | 4.45% | 4.88% | +1,389 bps | |
| Share Growth (YoY) | -8.17% | -3.40% | -2.51% | 2.81% | 1.23% | +941 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.48% | 11.33% | 11.43% | 11.46% | 11.97% | +50 bps | |
| Net Worth / Assets | 11.48% | 11.33% | 11.43% | 11.46% | 11.97% | +50 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |