PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Sacramento

Sacramento, CA · Charter 62641

NCUA · 8 branches

Q2 2026

$858.3MAssets
$473.2MLoans
$722.4MShares
$130.0MNet 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 1.69%, up 35 bps year over year; NIM at 2.88%.
  • Asset quality: problem loans at 0.09% of loans (+5 bps YoY).
  • Capital: net worth / assets of 15.15%, up 51 bps from a year ago.
  • Funding: loans stand at 65.50% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.69%+35 bps YoY

Net Interest Margin (YTD, annualized)

2.88%+18 bps YoY

Efficiency Ratio (YTD, annualized)

57.67%-323 bps YoY

Net Worth / Assets

15.15%+51 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.34%1.38%1.40%1.48%1.69%+35 bps
Return on Equity9.17%9.42%9.55%10.04%11.19%+202 bps
Net Interest Margin2.71%2.70%2.68%2.89%2.88%+18 bps
Efficiency Ratio60.90%59.45%59.37%59.76%57.67%-323 bps
Growth
Asset Growth (YoY)-3.59%-2.16%10.22%8.15%7.78%+1,138 bps
Loan Growth (YoY)5.88%5.48%5.67%7.62%8.76%+289 bps
Share Growth (YoY)8.17%10.13%10.22%7.92%7.57%-60 bps
Asset Quality
Delinquent Loans / Loans0.04%0.04%0.06%0.10%0.09%+5 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 Capital14.63%14.62%14.65%14.78%15.15%+51 bps
Net Worth / Assets14.63%14.62%14.65%14.78%15.15%+51 bps
Liquidity & Funding
Loans / Shares64.79%63.78%62.83%63.12%65.50%+71 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps