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 | |