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 | |