PackageTrendsPeer
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Vision One

Sacramento, CA · Charter 63137

NCUA · 1 branch

Q2 2026

$92.0MAssets
$78.8MLoans
$76.6MShares
$14.8MNet 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 0.60%, up 39 bps year over year; NIM at 2.99%.
  • Asset quality: problem loans at 0.21% of loans (+21 bps YoY).
  • Capital: net worth / assets of 16.06%, unchanged from a year ago.
  • Funding: loans stand at 102.84% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.60%+39 bps YoY

Net Interest Margin (YTD, annualized)

2.99%+11 bps YoY

Efficiency Ratio (YTD, annualized)

81.36%-1,270 bps YoY

Net Worth / Assets

16.06%0 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.21%0.23%0.17%0.50%0.60%+39 bps
Return on Equity1.30%1.40%1.05%3.11%3.74%+244 bps
Net Interest Margin2.88%2.91%3.01%3.02%2.99%+11 bps
Efficiency Ratio94.05%93.59%95.26%81.92%81.36%-1,270 bps
Growth
Asset Growth (YoY)-4.25%0.77%-5.88%-0.75%2.26%+651 bps
Loan Growth (YoY)-1.29%-4.32%-2.80%1.05%1.86%+315 bps
Share Growth (YoY)-4.97%0.74%-7.14%-1.13%2.21%+718 bps
Asset Quality
Delinquent Loans / Loans0.00%0.14%0.76%0.18%0.21%+21 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 Capital16.06%16.14%16.58%15.95%16.06%0 bps
Net Worth / Assets16.06%16.14%16.58%15.95%16.06%0 bps
Liquidity & Funding
Loans / Shares103.19%100.45%105.58%104.18%102.84%-35 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps