Sacramento
Sacramento, CA · Charter 62641 · Peer group: credit unions under $1B in assets in CA (n=62-63)
NCUA · 8 branches
Q2 2026
$858.3MAssets
$473.2MLoans
$722.4MShares
$130.0MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 95% of credit unions under $1B in assets in CA (rank 4 of 63).
- Widest gap: net interest margin trails 94% of credit unions under $1B in assets in CA (rank 59 of 63).
- Overall: at or above the peer median on 6 of 7 directional measures.
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 |