Modesto, CA · Charter 61942
NCUA · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.75% | 0.73% | 1.02% | 1.00% | 0.64% | 1.11% | 1.07% | 1.05% | +6 bps | |
| Return on Equity | 8.03% | 8.02% | 10.26% | 10.26% | 6.63% | 11.41% | 10.92% | 10.10% | -16 bps | |
| Net Interest Margin | 3.70% | 3.59% | 4.14% | 4.08% | 4.00% | 4.02% | 4.03% | 4.12% | +4 bps | |
| Efficiency Ratio | 77.40% | 79.23% | 80.84% | 78.59% | 83.03% | 75.86% | 74.49% | 75.35% | -325 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.89% | 0.52% | -5.76% | -0.88% | 9.42% | 5.51% | 14.15% | 4.94% | +582 bps | |
| Loan Growth (YoY) | -8.24% | -10.90% | -11.40% | -5.93% | 2.09% | 2.10% | 7.64% | 7.92% | +1,385 bps | |
| Share Growth (YoY) | -4.21% | 0.99% | -5.40% | -1.69% | 8.00% | 4.59% | 14.36% | 3.97% | +566 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.11% | 0.79% | 0.58% | 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 | 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 | 9.38% | 9.08% | 9.93% | 9.71% | 9.62% | 9.71% | 9.84% | 10.44% | +73 bps | |
| Net Worth / Assets | 9.38% | 9.08% | 9.93% | 9.71% | 9.62% | 9.71% | 9.84% | 10.44% | +73 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 45.17% | 42.24% | 44.10% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |