Santa Rosa, CA · Charter 63373
NCUA · 4 branches
Q4 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2025, the quarter ended December 31, 2025, 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=64 to 65). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
0
Asset Quality
2
Profitability
31
Liquidity
0
Efficiency
3
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.
Santa Rosa, CA · Charter 63373
NCUA · 4 branches
Q4 2025
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 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.77% | -0.97% | -0.96% | -1.68% | -0.44% | -0.37% | -2.00% | -1.94% | -25 bps | |
| Return on Equity | -9.13% | -12.21% | -13.90% | -23.86% | -6.83% | -5.80% | -39.31% | -41.31% | -1,745 bps | |
| Net Interest Margin | 3.25% | 3.25% | 3.43% | 3.85% | 4.16% | 4.62% | 4.71% | 4.65% | +80 bps | |
| Efficiency Ratio | 111.46% | 114.84% | 114.46% | 122.20% | 104.66% | 103.83% | 106.19% | 109.76% | -1,244 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.82% | -1.19% | 0.56% | -3.13% | 0.16% | -2.14% | -3.04% | -2.37% | +77 bps | |
| Loan Growth (YoY) | 14.78% | 6.47% | 7.42% | 5.97% | 2.24% | 0.49% | -1.87% | -7.76% | -1,373 bps | |
| Share Growth (YoY) | 6.69% | 0.53% | 4.61% | -0.21% | 2.44% | 0.38% | -9.91% | -13.67% | -1,347 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.87% | 1.11% | 1.55% | 1.18% | 0.72% | 1.26% | 4.10% | 3.34% | +215 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 | 8.42% | 7.96% | 6.92% | 7.05% | 6.41% | 6.36% | 5.09% | 4.69% | -237 bps | |
| Net Worth / Assets | 8.42% | 7.96% | 6.92% | 7.05% | 6.41% | 6.36% | 5.09% | 4.69% | -237 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 96.15% | 96.14% | 97.45% | 99.83% | 95.96% | 96.25% | 106.15% | 106.67% | +684 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Santa Rosa, CA · Charter 63373 · Peer group: credit unions under $1B in assets in CA (n=64-65)
NCUA · 4 branches
Q4 2025
Return on Assets
-1.94%
Rank 63 of 65
Net Interest Margin
4.65%
Rank 7 of 65
Efficiency Ratio
109.77%
Rank 64 of 65
Equity / Assets
4.69%
Rank 64 of 64
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -1.94% | 0.21% | 0.58% | 1.01% | Beats 3% | 63 / 65 | ||
| Return on Equity | -41.30% | 2.35% | 5.30% | 9.03% | Beats 2% | 63 / 64 | ||
| Net Interest Margin | 4.65% | 3.11% | 3.51% | 4.02% | Beats 89% | 7 / 65 | ||
| Efficiency Ratio | 109.77% | 70.73% | 79.68% | 86.60% | Beats 3% | 64 / 65 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 3.34% | 0.20% | 0.43% | 0.92% | Beats 2% | 64 / 64 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 4.69% | 8.96% | 9.97% | 13.83% | Beats 0% | 65 / 65 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 4.69% | 8.96% | 9.97% | 13.83% | Beats 0% | 64 / 64 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 106.67% | 54.97% | 68.56% | 84.66% | 97th pctl | 2 / 64 | ||
| Loans / Assets | 86.03% | 48.98% | 60.02% | 73.94% | 95th pctl | 3 / 64 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||