Modesto, CA · Charter 61942
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
48
Asset Quality
6
Profitability
78
Liquidity
8
Efficiency
67
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.
Modesto, CA · Charter 61942
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 | 1.00% | 0.64% | 1.11% | 1.07% | 1.05% | +6 bps | |
| Return on Equity | 10.26% | 6.63% | 11.41% | 10.92% | 10.10% | -16 bps | |
| Net Interest Margin | 4.08% | 4.00% | 4.02% | 4.03% | 4.12% | +4 bps | |
| Efficiency Ratio | 78.59% | 83.03% | 75.86% | 74.49% | 75.35% | -325 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.88% | 9.42% | 5.51% | 14.15% | 4.94% | +582 bps | |
| Loan Growth (YoY) | -5.93% | 2.09% | 2.10% | 7.64% | 7.92% | +1,385 bps | |
| Share Growth (YoY) | -1.69% | 8.00% | 4.59% | 14.36% | 3.97% | +566 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.18% | 0.75% | 1.16% | 1.39% | 1.38% | +20 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 | 9.71% | 9.62% | 9.71% | 9.84% | 10.44% | +73 bps | |
| Net Worth / Assets | 9.71% | 9.62% | 9.71% | 9.84% | 10.44% | +73 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 43.00% | 42.70% | 41.23% | 41.51% | 44.64% | +163 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Modesto, CA · Charter 61942 · Peer group: credit unions under $1B in assets in CA (n=62-63)
NCUA · 1 branch
Q2 2026
Return on Assets
1.05%
Rank 17 of 63
Net Interest Margin
4.12%
Rank 14 of 63
Efficiency Ratio
75.37%
Rank 22 of 63
Equity / Assets
10.44%
Rank 33 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.05% | 0.17% | 0.56% | 1.17% | Beats 73% | 17 / 63 | |
| Return on Equity | 10.08% | 1.81% | 4.79% | 8.64% | Beats 83% | 11 / 63 | |
| Net Interest Margin | 4.12% | 3.18% | 3.49% | 3.98% | Beats 78% | 14 / 63 | |
| Efficiency Ratio | 75.37% | 70.58% | 81.25% | 89.21% | Beats 67% | 22 / 63 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.38% | 0.17% | 0.42% | 0.85% | Beats 6% | 59 / 62 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.44% | 8.61% | 10.56% | 14.01% | Beats 48% | 33 / 63 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.44% | 8.61% | 10.56% | 14.01% | Beats 48% | 33 / 63 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 44.64% | 53.46% | 72.75% | 85.33% | 13th pctl | 54 / 62 | |
| Loans / Assets | 39.78% | 46.35% | 58.08% | 72.17% | 14th pctl | 54 / 63 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||