PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Organized Labor

Modesto, CA · Charter 61942

NCUA · 1 branch

Q2 2026

$39.2MAssets
$15.6MLoans
$34.9MShares
$4.1MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.05%, up 6 bps year over year; NIM at 4.12%.
  • Asset quality: problem loans at 1.38% of loans (+20 bps YoY).
  • Capital: net worth / assets of 10.44%, up 73 bps from a year ago.
  • Funding: loans stand at 44.64% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.05%+6 bps YoY

Net Interest Margin (quarter, annualized)

4.12%+4 bps YoY

Efficiency Ratio (quarter, annualized)

75.35%-325 bps YoY

Net Worth / Assets

10.44%+73 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.00%0.64%1.11%1.07%1.05%+6 bps
Return on Equity10.26%6.63%11.41%10.92%10.10%-16 bps
Net Interest Margin4.08%4.00%4.02%4.03%4.12%+4 bps
Efficiency Ratio78.59%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 / Loans1.18%0.75%1.16%1.39%1.38%+20 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.71%9.62%9.71%9.84%10.44%+73 bps
Net Worth / Assets9.71%9.62%9.71%9.84%10.44%+73 bps
Liquidity & Funding
Loans / Shares43.00%42.70%41.23%41.51%44.64%+163 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps