Santa Rosa, CA · Charter 61667
NCUA · 13 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.38% | 0.48% | 0.53% | 1.12% | 1.15% | +77 bps | |
| Return on Equity | 4.01% | 4.94% | 5.42% | 11.24% | 11.26% | +725 bps | |
| Net Interest Margin | 3.57% | 3.73% | 3.79% | 3.94% | 3.97% | +40 bps | |
| Efficiency Ratio | 83.61% | 81.12% | 80.14% | 72.93% | 74.44% | -918 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 12.43% | 11.50% | 13.53% | 14.48% | 0.56% | -1,187 bps | |
| Loan Growth (YoY) | 19.80% | 18.14% | 10.93% | 8.10% | -2.33% | -2,213 bps | |
| Share Growth (YoY) | 12.33% | 11.15% | 12.77% | 13.87% | -0.56% | -1,289 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.50% | 9.68% | 9.73% | 9.94% | 10.25% | +75 bps | |
| Net Worth / Assets | 9.50% | 9.68% | 9.73% | 9.94% | 10.25% | +75 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |