Eureka, CA · Charter 62367
NCUA · 10 branches
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 | 0.63% | 0.65% | 0.56% | 0.58% | 0.66% | 0.68% | 0.81% | 0.67% | +9 bps | |
| Return on Equity | 5.33% | 5.55% | 4.84% | 5.03% | 5.66% | 5.77% | 6.90% | 5.60% | +57 bps | |
| Net Interest Margin | 1.99% | 1.99% | 2.10% | 2.11% | 2.10% | 2.13% | 2.28% | 2.25% | +13 bps | |
| Efficiency Ratio | 75.06% | 73.53% | 73.97% | 74.16% | 72.71% | 72.36% | 70.43% | 73.28% | -88 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.77% | 6.49% | 9.31% | 10.67% | 7.66% | 4.84% | 3.86% | 2.71% | -796 bps | |
| Loan Growth (YoY) | 7.03% | 8.10% | 4.88% | 5.35% | 6.69% | 10.51% | 9.73% | 13.48% | +813 bps | |
| Share Growth (YoY) | 2.60% | 6.93% | 9.17% | 10.28% | 8.76% | 4.85% | 4.15% | 3.28% | -700 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.43% | 0.51% | 0.32% | 1.17% | 0.28% | 0.67% | 0.53% | 0.70% | -48 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 | 11.83% | 11.64% | 11.49% | 11.59% | 11.65% | 11.77% | 11.79% | 11.99% | +40 bps | |
| Net Worth / Assets | 11.83% | 11.64% | 11.49% | 11.59% | 11.65% | 11.77% | 11.79% | 11.99% | +40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 54.07% | 52.85% | 51.98% | 52.76% | 53.04% | 55.70% | 54.77% | 57.97% | +521 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |