Bakersfield, CA · Charter 61598
NCUA · 10 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 | 1.32% | 1.36% | 1.59% | 1.60% | 1.66% | 1.78% | 1.79% | 1.74% | +14 bps | |
| Return on Equity | 8.56% | 8.76% | 10.52% | 10.55% | 10.57% | 11.18% | 11.07% | 10.85% | +30 bps | |
| Net Interest Margin | 3.32% | 3.35% | 3.48% | 3.50% | 3.56% | 3.56% | 3.74% | 3.71% | +21 bps | |
| Efficiency Ratio | 59.90% | 58.68% | 55.57% | 55.15% | 54.59% | 52.79% | 53.55% | 53.38% | -177 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.29% | -3.59% | 3.61% | 5.25% | 10.92% | 10.55% | 6.28% | 8.00% | +275 bps | |
| Loan Growth (YoY) | 4.38% | 3.16% | 4.28% | 7.33% | 8.84% | 9.88% | 9.45% | 10.11% | +278 bps | |
| Share Growth (YoY) | 5.53% | 7.06% | 9.58% | 10.92% | 10.45% | 9.59% | 7.79% | 7.37% | -355 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.51% | 0.54% | 0.33% | 0.38% | 0.30% | 0.39% | 0.32% | 0.37% | -1 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 | 15.46% | 15.47% | 15.08% | 15.19% | 15.69% | 15.92% | 16.16% | 16.03% | +83 bps | |
| Net Worth / Assets | 15.46% | 15.47% | 15.08% | 15.19% | 15.69% | 15.92% | 16.16% | 16.03% | +83 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 93.39% | 89.81% | 84.56% | 90.13% | 92.03% | 90.06% | 85.86% | 92.42% | +230 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |