Santa Rosa, CA · Charter 61667
NCUA · 13 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |