San Luis Obispo, CA · Charter 61779
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 in CA (n=62 to 63). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
81
Asset Quality
74
Profitability
9
Liquidity
42
Efficiency
2
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.
San Luis Obispo, CA · Charter 61779
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 | -0.60% | -0.54% | -2.99% | -0.68% | -0.51% | +9 bps | |
| Return on Equity | -3.68% | -3.21% | -20.61% | -4.81% | -3.53% | +16 bps | |
| Net Interest Margin | 2.96% | 3.04% | 3.07% | 3.05% | 3.11% | +15 bps | |
| Efficiency Ratio | 116.32% | 114.75% | 120.54% | 124.48% | 117.59% | +127 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.83% | -7.30% | -11.03% | -6.01% | -6.53% | +30 bps | |
| Loan Growth (YoY) | 0.81% | -7.76% | -12.88% | -14.08% | -24.83% | -2,564 bps | |
| Share Growth (YoY) | -8.95% | -8.75% | -11.09% | -4.68% | -4.82% | +413 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.73% | 3.96% | 0.39% | 0.74% | 0.20% | -352 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 | 16.40% | 16.84% | 14.52% | 14.23% | 14.47% | -193 bps | |
| Net Worth / Assets | 16.40% | 16.84% | 14.52% | 14.23% | 14.47% | -193 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 69.00% | 65.13% | 60.58% | 58.09% | 54.49% | -1,451 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
San Luis Obispo, CA · Charter 61779 · Peer group: credit unions under $1B in assets in CA (n=62-63)
NCUA · 1 branch
Q2 2026
Return on Assets
-0.51%
Rank 61 of 63
Net Interest Margin
3.11%
Rank 51 of 63
Efficiency Ratio
117.33%
Rank 63 of 63
Equity / Assets
14.47%
Rank 12 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.51% | 0.17% | 0.56% | 1.17% | Beats 3% | 61 / 63 | |
| Return on Equity | -3.52% | 1.81% | 4.79% | 8.64% | Beats 5% | 60 / 63 | |
| Net Interest Margin | 3.11% | 3.18% | 3.49% | 3.98% | Beats 19% | 51 / 63 | |
| Efficiency Ratio | 117.33% | 70.58% | 81.25% | 89.21% | Beats 2% | 63 / 63 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.20% | 0.17% | 0.42% | 0.85% | Beats 74% | 17 / 62 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 14.47% | 8.61% | 10.56% | 14.01% | Beats 81% | 12 / 63 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 14.47% | 8.61% | 10.56% | 14.01% | Beats 81% | 12 / 63 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 54.49% | 53.46% | 72.75% | 85.33% | 29th pctl | 44 / 62 | |
| Loans / Assets | 47.42% | 46.35% | 58.08% | 72.17% | 27th pctl | 46 / 63 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||