Sacramento, CA · Charter 63137
NCUA · 1 branch
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
90
Asset Quality
71
Profitability
35
Liquidity
0
Efficiency
49
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 63137
NCUA · 1 branch
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 | 0.32% | 0.26% | 0.15% | 0.21% | 0.23% | 0.17% | 0.50% | 0.60% | +39 bps | |
| Return on Equity | 2.02% | 1.66% | 0.99% | 1.30% | 1.40% | 1.05% | 3.11% | 3.74% | +244 bps | |
| Net Interest Margin | 2.99% | 2.85% | 2.83% | 2.88% | 2.91% | 3.01% | 3.02% | 2.99% | +11 bps | |
| Efficiency Ratio | 86.14% | 87.00% | 95.54% | 94.05% | 93.59% | 95.26% | 81.92% | 81.36% | -1,270 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.49% | -1.85% | -4.92% | -4.25% | 0.77% | -5.88% | -0.75% | 2.26% | +651 bps | |
| Loan Growth (YoY) | -3.18% | -3.07% | -1.78% | -1.29% | -4.32% | -2.80% | 1.05% | 1.86% | +315 bps | |
| Share Growth (YoY) | -6.88% | -2.20% | -5.77% | -4.97% | 0.74% | -7.14% | -1.13% | 2.21% | +718 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.04% | 0.00% | 0.00% | 0.14% | 0.76% | 0.18% | 0.21% | +21 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 | 16.08% | 15.45% | 15.59% | 16.06% | 16.14% | 16.58% | 15.95% | 16.06% | 0 bps | |
| Net Worth / Assets | 16.08% | 15.45% | 15.59% | 16.06% | 16.14% | 16.58% | 15.95% | 16.06% | 0 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 105.77% | 100.87% | 101.93% | 103.19% | 100.45% | 105.58% | 104.18% | 102.84% | -35 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 63137 · Peer group: credit unions under $1B in assets in CA (n=62-63)
NCUA · 1 branch
Q2 2026
Return on Assets
0.60%
Rank 31 of 63
Net Interest Margin
3.00%
Rank 54 of 63
Efficiency Ratio
81.36%
Rank 33 of 63
Equity / Assets
16.06%
Rank 6 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.60% | 0.17% | 0.56% | 1.17% | Beats 51% | 31 / 63 | ||
| Return on Equity | 3.74% | 1.81% | 4.79% | 8.64% | Beats 41% | 37 / 63 | ||
| Net Interest Margin | 3.00% | 3.18% | 3.49% | 3.98% | Beats 14% | 54 / 63 | ||
| Efficiency Ratio | 81.36% | 70.58% | 81.25% | 89.21% | Beats 49% | 33 / 63 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.21% | 0.17% | 0.42% | 0.85% | Beats 71% | 19 / 62 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 16.06% | 8.61% | 10.56% | 14.01% | Beats 90% | 6 / 63 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 16.06% | 8.61% | 10.56% | 14.01% | Beats 90% | 6 / 63 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 102.84% | 53.46% | 72.75% | 85.33% | 95th pctl | 3 / 62 | ||
| Loans / Assets | 85.64% | 46.35% | 58.08% | 72.17% | 94th pctl | 4 / 63 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||