Sacramento, CA · Charter 61650
NCUA · 64 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 any (n=25). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
36
Asset Quality
68
Profitability
28
Liquidity
62
Efficiency
32
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.
Sacramento, CA · Charter 61650
NCUA · 64 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 | 0.56% | 0.54% | 0.55% | 0.54% | 0.55% | 0.51% | 0.45% | 0.52% | -2 bps | |
| Return on Equity | 5.37% | 5.21% | 5.35% | 5.24% | 5.41% | 5.15% | 4.51% | 5.22% | -2 bps | |
| Net Interest Margin | 2.88% | 2.87% | 2.90% | 2.91% | 2.92% | 2.91% | 3.17% | 3.13% | +22 bps | |
| Efficiency Ratio | 67.06% | 67.05% | 64.62% | 65.78% | 65.26% | 66.23% | 69.36% | 67.42% | +164 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.46% | -7.20% | -0.89% | 6.52% | 7.67% | 9.44% | 7.05% | 7.62% | +110 bps | |
| Loan Growth (YoY) | 3.04% | 4.93% | 6.79% | 6.92% | 8.89% | 10.19% | 9.16% | 8.78% | +186 bps | |
| Share Growth (YoY) | 1.74% | 5.74% | 7.14% | 9.49% | 10.66% | 8.89% | 6.62% | 7.42% | -207 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.73% | 0.82% | 0.65% | 0.71% | 0.75% | 0.81% | 0.69% | 0.80% | +8 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 | 10.43% | 10.44% | 10.21% | 10.21% | 10.12% | 9.96% | 9.94% | 9.91% | -30 bps | |
| Net Worth / Assets | 10.43% | 10.44% | 10.21% | 10.21% | 10.12% | 9.96% | 9.94% | 9.91% | -30 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 83.27% | 82.62% | 80.98% | 81.45% | 81.94% | 83.60% | 82.91% | 82.48% | +103 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Sacramento, CA · Charter 61650 · Peer group: credit unions any (n=25)
NCUA · 64 branches
Q2 2026
Return on Assets
0.52%
Rank 21 of 25
Net Interest Margin
3.13%
Rank 13 of 25
Efficiency Ratio
67.42%
Rank 18 of 25
Equity / Assets
9.91%
Rank 16 of 25
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.52% | 0.54% | 0.87% | 1.36% | Beats 16% | 21 / 25 | ||
| Return on Equity | 5.22% | 5.49% | 9.20% | 10.99% | Beats 20% | 20 / 25 | ||
| Net Interest Margin | 3.13% | 2.86% | 3.13% | 3.50% | Beats 48% | 13 / 25 | ||
| Efficiency Ratio | 67.42% | 54.62% | 61.07% | 70.28% | Beats 32% | 18 / 25 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.80% | 0.64% | 0.92% | 1.30% | Beats 68% | 9 / 25 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.91% | 9.55% | 10.72% | 11.84% | Beats 36% | 16 / 25 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.91% | 9.55% | 10.72% | 11.84% | Beats 36% | 16 / 25 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 82.48% | 81.23% | 88.75% | 93.33% | 32nd pctl | 17 / 25 | ||
| Loans / Assets | 74.04% | 68.82% | 78.26% | 79.51% | 36th pctl | 16 / 25 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||