Sacramento, CA · Charter 62641
NCUA · 8 branches
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 | 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 | |