Yreka, CA · Charter 61682
NCUA · 1 branch
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 | 0.36% | 0.59% | 1.22% | 1.15% | 0.92% | 0.97% | 1.06% | 1.19% | +4 bps | |
| Return on Equity | 4.70% | 7.30% | 14.10% | 12.96% | 10.34% | 10.73% | 11.40% | 12.31% | -65 bps | |
| Net Interest Margin | 3.91% | 4.13% | 3.21% | 3.97% | 4.27% | 4.50% | 5.32% | 5.37% | +139 bps | |
| Efficiency Ratio | 67.60% | 65.45% | 64.15% | 61.91% | 62.98% | 61.83% | 68.57% | 68.07% | +616 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.12% | 6.77% | -4.24% | -1.61% | -3.22% | -0.57% | 1.84% | 0.92% | +253 bps | |
| Loan Growth (YoY) | 3.69% | 1.49% | -1.76% | -0.62% | 4.76% | 8.76% | 12.44% | 7.90% | +853 bps | |
| Share Growth (YoY) | 0.43% | 2.55% | 2.64% | 5.27% | 3.41% | 6.01% | 1.51% | 0.28% | -499 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.02% | 0.98% | 0.67% | 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 | 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 | 7.70% | 8.06% | 8.64% | 8.88% | 8.86% | 9.07% | 9.30% | 9.66% | +78 bps | |
| Net Worth / Assets | 7.70% | 8.06% | 8.64% | 8.88% | 8.86% | 9.07% | 9.30% | 9.66% | +78 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.10% | 78.36% | 74.33% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |