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 | |