Sacramento, CA · Charter 62641
NCUA · 8 branches
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
83
Asset Quality
84
Profitability
60
Liquidity
80
Efficiency
95
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.
Sacramento, CA · Charter 62641
NCUA · 8 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 | 1.19% | 1.25% | 1.26% | 1.34% | 1.38% | 1.40% | 1.48% | 1.69% | +35 bps | |
| Return on Equity | 9.12% | 8.52% | 8.70% | 9.17% | 9.42% | 9.55% | 10.04% | 11.19% | +202 bps | |
| Net Interest Margin | 2.31% | 2.56% | 2.67% | 2.71% | 2.70% | 2.68% | 2.89% | 2.88% | +18 bps | |
| Efficiency Ratio | 62.78% | 63.83% | 60.63% | 60.90% | 59.45% | 59.37% | 59.76% | 57.67% | -323 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 17.15% | -5.71% | -5.00% | -3.59% | -2.16% | 10.22% | 8.15% | 7.78% | +1,138 bps | |
| Loan Growth (YoY) | 4.62% | 4.18% | 4.18% | 5.88% | 5.48% | 5.67% | 7.62% | 8.76% | +289 bps | |
| Share Growth (YoY) | 3.66% | 5.81% | 6.36% | 8.17% | 10.13% | 10.22% | 7.92% | 7.57% | -60 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.07% | 0.15% | 0.07% | 0.04% | 0.04% | 0.06% | 0.10% | 0.09% | +5 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 | 13.07% | 14.63% | 14.43% | 14.63% | 14.62% | 14.65% | 14.78% | 15.15% | +51 bps | |
| Net Worth / Assets | 13.07% | 14.63% | 14.43% | 14.63% | 14.62% | 14.65% | 14.78% | 15.15% | +51 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.59% | 65.54% | 63.30% | 64.79% | 63.78% | 62.83% | 63.12% | 65.50% | +71 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Sacramento, CA · Charter 62641 · Peer group: credit unions under $1B in assets in CA (n=62-63)
NCUA · 8 branches
Q2 2026
Return on Assets
1.69%
Rank 7 of 63
Net Interest Margin
2.88%
Rank 59 of 63
Efficiency Ratio
57.67%
Rank 4 of 63
Equity / Assets
15.15%
Rank 11 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.69% | 0.17% | 0.56% | 1.17% | Beats 89% | 7 / 63 | ||
| Return on Equity | 11.19% | 1.81% | 4.79% | 8.64% | Beats 86% | 9 / 63 | ||
| Net Interest Margin | 2.88% | 3.18% | 3.49% | 3.98% | Beats 6% | 59 / 63 | ||
| Efficiency Ratio | 57.67% | 70.58% | 81.25% | 89.21% | Beats 95% | 4 / 63 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.09% | 0.17% | 0.42% | 0.85% | Beats 84% | 11 / 62 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.15% | 8.61% | 10.56% | 14.01% | Beats 83% | 11 / 63 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 15.15% | 8.61% | 10.56% | 14.01% | Beats 83% | 11 / 63 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 65.50% | 53.46% | 72.75% | 85.33% | 44th pctl | 35 / 62 | ||
| Loans / Assets | 55.13% | 46.35% | 58.08% | 72.17% | 44th pctl | 35 / 63 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||