Yreka, CA · Charter 61682
NCUA · 1 branch
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
17
Asset Quality
27
Profitability
88
Liquidity
46
Efficiency
76
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.
Yreka, CA · Charter 61682
NCUA · 1 branch
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 | 1.15% | 0.92% | 0.97% | 1.06% | 1.19% | +4 bps | |
| Return on Equity | 12.96% | 10.34% | 10.73% | 11.40% | 12.31% | -65 bps | |
| Net Interest Margin | 3.97% | 4.27% | 4.50% | 5.32% | 5.37% | +139 bps | |
| Efficiency Ratio | 61.91% | 62.98% | 61.83% | 68.57% | 68.07% | +616 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.61% | -3.22% | -0.57% | 1.84% | 0.92% | +253 bps | |
| Loan Growth (YoY) | -0.62% | 4.76% | 8.76% | 12.44% | 7.90% | +853 bps | |
| Share Growth (YoY) | 5.27% | 3.41% | 6.01% | 1.51% | 0.28% | -499 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.88% | 0.68% | 0.79% | 0.92% | 1.19% | +31 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 | 8.88% | 8.86% | 9.07% | 9.30% | 9.66% | +78 bps | |
| Net Worth / Assets | 8.88% | 8.86% | 9.07% | 9.30% | 9.66% | +78 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 75.95% | 79.12% | 80.40% | 82.33% | 81.72% | +577 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Yreka, CA · Charter 61682 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
1.19%
Rank 414 of 1,683
Net Interest Margin
5.37%
Rank 86 of 1,683
Efficiency Ratio
68.07%
Rank 398 of 1,682
Equity / Assets
9.66%
Rank 1,400 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.19% | 0.35% | 0.74% | 1.18% | Beats 75% | 414 / 1,683 | |
| Return on Equity | 12.30% | 2.67% | 5.89% | 8.74% | Beats 93% | 122 / 1,681 | |
| Net Interest Margin | 5.37% | 3.31% | 3.82% | 4.32% | Beats 95% | 86 / 1,683 | |
| Efficiency Ratio | 68.07% | 68.91% | 78.20% | 86.93% | Beats 76% | 398 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.19% | 0.26% | 0.65% | 1.29% | Beats 27% | 1,222 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.66% | 10.44% | 12.89% | 16.53% | Beats 17% | 1,400 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.66% | 10.44% | 12.89% | 16.53% | Beats 17% | 1,400 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 81.72% | 52.61% | 69.38% | 83.50% | 72nd pctl | 464 / 1,683 | |
| Loans / Assets | 75.65% | 44.71% | 59.18% | 70.72% | 84th pctl | 263 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||