Santa Rosa, CA · Charter 61667
NCUA · 13 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 under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
23
Asset Quality
27
Profitability
74
Liquidity
43
Efficiency
61
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.
Santa Rosa, CA · Charter 61667
NCUA · 13 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 | 0.32% | 0.39% | 0.59% | 0.38% | 0.48% | 0.53% | 1.12% | 1.15% | +77 bps | |
| Return on Equity | 3.47% | 4.10% | 6.12% | 4.01% | 4.94% | 5.42% | 11.24% | 11.26% | +725 bps | |
| Net Interest Margin | 3.25% | 3.35% | 3.66% | 3.57% | 3.73% | 3.79% | 3.94% | 3.97% | +40 bps | |
| Efficiency Ratio | 80.10% | 79.28% | 78.53% | 83.61% | 81.12% | 80.14% | 72.93% | 74.44% | -918 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.20% | -1.72% | -2.30% | 12.43% | 11.50% | 13.53% | 14.48% | 0.56% | -1,187 bps | |
| Loan Growth (YoY) | -5.38% | -2.89% | 2.07% | 19.80% | 18.14% | 10.93% | 8.10% | -2.33% | -2,213 bps | |
| Share Growth (YoY) | -1.76% | -1.83% | -3.09% | 12.33% | 11.15% | 12.77% | 13.87% | -0.56% | -1,289 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.28% | 1.00% | 0.80% | 1.85% | 2.51% | 2.16% | 1.33% | 1.22% | -63 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 | 9.28% | 9.46% | 9.61% | 9.50% | 9.68% | 9.73% | 9.94% | 10.25% | +75 bps | |
| Net Worth / Assets | 9.28% | 9.46% | 9.61% | 9.50% | 9.68% | 9.73% | 9.94% | 10.25% | +75 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.70% | 80.92% | 83.05% | 83.73% | 83.65% | 79.60% | 78.84% | 82.23% | -149 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Santa Rosa, CA · Charter 61667 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 13 branches
Q2 2026
Return on Assets
1.15%
Rank 444 of 1,683
Net Interest Margin
3.97%
Rank 690 of 1,683
Efficiency Ratio
74.43%
Rank 655 of 1,682
Equity / Assets
10.25%
Rank 1,297 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.15% | 0.35% | 0.74% | 1.18% | Beats 74% | 444 / 1,683 | ||
| Return on Equity | 11.26% | 2.67% | 5.89% | 8.74% | Beats 89% | 185 / 1,681 | ||
| Net Interest Margin | 3.97% | 3.31% | 3.82% | 4.32% | Beats 59% | 690 / 1,683 | ||
| Efficiency Ratio | 74.43% | 68.91% | 78.20% | 86.93% | Beats 61% | 655 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.22% | 0.26% | 0.65% | 1.29% | Beats 27% | 1,237 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.25% | 10.44% | 12.89% | 16.53% | Beats 23% | 1,297 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.25% | 10.44% | 12.89% | 16.53% | Beats 23% | 1,297 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 82.23% | 52.61% | 69.38% | 83.50% | 73rd pctl | 446 / 1,683 | ||
| Loans / Assets | 72.63% | 44.71% | 59.18% | 70.72% | 79th pctl | 350 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||