Richmond, CA · Charter 63630
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 | 1.28% | 0.85% | 10.36% | 4.96% | 4.42% | 2.84% | -1.00% | -1.93% | -689 bps | |
| Return on Equity | 11.97% | 8.15% | 83.64% | 40.43% | 33.78% | 23.08% | -8.37% | -17.15% | -5,758 bps | |
| Net Interest Margin | 5.99% | 5.97% | 5.22% | 4.88% | 4.88% | 5.06% | 5.06% | 5.03% | +15 bps | |
| Efficiency Ratio | 72.30% | 79.41% | 35.92% | 56.28% | 59.50% | 65.13% | 113.11% | 116.30% | +6,003 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.48% | -1.59% | 2.03% | 0.79% | 4.35% | 5.87% | 0.69% | 0.44% | -35 bps | |
| Loan Growth (YoY) | -3.83% | -9.71% | -11.63% | -12.62% | -14.87% | -12.13% | -10.89% | -16.81% | -419 bps | |
| Share Growth (YoY) | -0.16% | -2.80% | 0.63% | -1.32% | 0.98% | 3.19% | 0.85% | 1.33% | +266 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.35% | 6.98% | 5.16% | 7.02% | 5.90% | 5.85% | 4.36% | 2.01% | -501 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 | 10.68% | 10.37% | 12.38% | 12.26% | 13.09% | 12.31% | 11.97% | 11.27% | -99 bps | |
| Net Worth / Assets | 10.68% | 10.37% | 12.38% | 12.26% | 13.09% | 12.31% | 11.97% | 11.27% | -99 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 63.76% | 63.24% | 57.02% | 55.94% | 53.75% | 53.84% | 50.38% | 45.93% | -1,001 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |