Santa Cruz, CA · Charter 64029
NCUA · 3 branches
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
49
Asset Quality
44
Profitability
30
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 Cruz, CA · Charter 64029
NCUA · 3 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.54% | -0.68% | -0.68% | -0.74% | -1.00% | -46 bps | |
| Return on Equity | -4.93% | -6.21% | -6.32% | -6.94% | -9.48% | -455 bps | |
| Net Interest Margin | 4.35% | 4.48% | 4.59% | 4.65% | 4.73% | +38 bps | |
| Efficiency Ratio | 107.59% | 106.40% | 106.78% | 104.59% | 106.06% | -154 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.16% | -4.72% | -5.38% | -7.32% | -5.00% | -84 bps | |
| Loan Growth (YoY) | -4.82% | -3.13% | -3.36% | -2.21% | -1.03% | +378 bps | |
| Share Growth (YoY) | -3.79% | -4.10% | -8.03% | -7.66% | -4.44% | -66 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.39% | 0.31% | 0.44% | 0.40% | 0.52% | +13 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.00% | 10.88% | 10.81% | 10.67% | 10.56% | -44 bps | |
| Net Worth / Assets | 11.00% | 10.88% | 10.81% | 10.67% | 10.56% | -44 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 90.26% | 91.96% | 95.95% | 92.77% | 93.48% | +322 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Santa Cruz, CA · Charter 64029 · Peer group: credit unions under $1B in assets in CA (n=62-63)
NCUA · 3 branches
Q2 2026
Return on Assets
-1.00%
Rank 63 of 63
Net Interest Margin
4.73%
Rank 6 of 63
Efficiency Ratio
106.06%
Rank 62 of 63
Equity / Assets
10.56%
Rank 32 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.00% | 0.17% | 0.56% | 1.17% | Beats 0% | 63 / 63 | |
| Return on Equity | -9.48% | 1.81% | 4.79% | 8.64% | Beats 0% | 63 / 63 | |
| Net Interest Margin | 4.73% | 3.18% | 3.49% | 3.98% | Beats 90% | 6 / 63 | |
| Efficiency Ratio | 106.06% | 70.58% | 81.25% | 89.21% | Beats 3% | 62 / 63 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.52% | 0.17% | 0.42% | 0.85% | Beats 44% | 36 / 62 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.56% | 8.61% | 10.56% | 14.01% | Beats 49% | 32 / 63 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.56% | 8.61% | 10.56% | 14.01% | Beats 49% | 32 / 63 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 93.48% | 53.46% | 72.75% | 85.33% | 92nd pctl | 5 / 62 | |
| Loans / Assets | 80.75% | 46.35% | 58.08% | 72.17% | 90th pctl | 6 / 63 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||