PackageTrendsPeer
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The Golden 1

Sacramento, CA · Charter 61650

NCUA · 64 branches

Q2 2026

$22.2BAssets
$16.4BLoans
$19.9BShares
$2.2BNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.52%, down 2 bps year over year; NIM at 3.13%.
  • Asset quality: problem loans at 0.80% of loans (+8 bps YoY).
  • Capital: net worth / assets of 9.91%, down 30 bps from a year ago.
  • Funding: loans stand at 82.48% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.52%-2 bps YoY

Net Interest Margin (quarter, annualized)

3.13%+22 bps YoY

Efficiency Ratio (quarter, annualized)

67.42%+164 bps YoY

Net Worth / Assets

9.91%-30 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.54%0.55%0.51%0.45%0.52%-2 bps
Return on Equity5.24%5.41%5.15%4.51%5.22%-2 bps
Net Interest Margin2.91%2.92%2.91%3.17%3.13%+22 bps
Efficiency Ratio65.78%65.26%66.23%69.36%67.42%+164 bps
Growth
Asset Growth (YoY)6.52%7.67%9.44%7.05%7.62%+110 bps
Loan Growth (YoY)6.92%8.89%10.19%9.16%8.78%+186 bps
Share Growth (YoY)9.49%10.66%8.89%6.62%7.42%-207 bps
Asset Quality
Delinquent Loans / Loans0.71%0.75%0.81%0.69%0.80%+8 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.21%10.12%9.96%9.94%9.91%-30 bps
Net Worth / Assets10.21%10.12%9.96%9.94%9.91%-30 bps
Liquidity & Funding
Loans / Shares81.45%81.94%83.60%82.91%82.48%+103 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps