Livermore, CA · Charter 64482
NCUA · 5 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.33% | 0.32% | -0.34% | -0.21% | 0.16% | 0.20% | 0.13% | 0.29% | +50 bps | |
| Return on Equity | 4.20% | 4.01% | -4.46% | -2.92% | 2.07% | 2.59% | 1.61% | 3.53% | +645 bps | |
| Net Interest Margin | 3.24% | 3.37% | 3.68% | 3.70% | 3.78% | 3.87% | 4.10% | 4.20% | +49 bps | |
| Efficiency Ratio | 75.76% | 75.85% | 84.47% | 77.11% | 74.26% | 75.10% | 86.43% | 78.18% | +106 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.41% | 2.98% | 6.52% | 6.16% | 2.26% | 1.25% | -2.09% | -7.48% | -1,364 bps | |
| Loan Growth (YoY) | 4.90% | 7.35% | 6.86% | 10.33% | 5.83% | 1.06% | -1.44% | -7.71% | -1,804 bps | |
| Share Growth (YoY) | 7.91% | 3.85% | 4.12% | 0.76% | -3.08% | -2.79% | -1.52% | -4.60% | -536 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.47% | 0.92% | 0.68% | 0.87% | 1.00% | 1.11% | 0.67% | 0.60% | -27 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 | 7.74% | 7.88% | 7.69% | 7.26% | 7.51% | 7.73% | 7.92% | 8.28% | +102 bps | |
| Net Worth / Assets | 7.74% | 7.88% | 7.69% | 7.26% | 7.51% | 7.73% | 7.92% | 8.28% | +102 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 90.52% | 93.03% | 94.61% | 97.98% | 98.84% | 96.71% | 94.70% | 94.78% | -319 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |