Santa Cruz, CA · Charter 64029
NCUA · 3 branches
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 | 0.49% | 0.49% | -0.51% | -0.54% | -0.68% | -0.68% | -0.74% | -1.00% | -46 bps | |
| Return on Equity | 4.54% | 4.47% | -4.74% | -4.93% | -6.21% | -6.32% | -6.94% | -9.48% | -455 bps | |
| Net Interest Margin | 4.15% | 4.22% | 4.14% | 4.35% | 4.48% | 4.59% | 4.65% | 4.73% | +38 bps | |
| Efficiency Ratio | 88.21% | 86.95% | 109.86% | 107.59% | 106.40% | 106.78% | 104.59% | 106.06% | -154 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.98% | -2.99% | 0.27% | -4.16% | -4.72% | -5.38% | -7.32% | -5.00% | -84 bps | |
| Loan Growth (YoY) | -4.68% | -3.80% | -4.45% | -4.82% | -3.13% | -3.36% | -2.21% | -1.03% | +378 bps | |
| Share Growth (YoY) | -0.89% | -1.67% | 1.74% | -3.79% | -4.10% | -8.03% | -7.66% | -4.44% | -66 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.62% | 0.48% | 0.45% | 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 | 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 | 10.84% | 10.97% | 10.72% | 11.00% | 10.88% | 10.81% | 10.67% | 10.56% | -44 bps | |
| Net Worth / Assets | 10.84% | 10.97% | 10.72% | 11.00% | 10.88% | 10.81% | 10.67% | 10.56% | -44 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 91.04% | 91.32% | 87.61% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |