Antioch, CA · Charter 64503
NCUA · 2 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 | -0.64% | -0.35% | -0.13% | -0.21% | -0.94% | -0.92% | -0.86% | -1.38% | -118 bps | |
| Return on Equity | -6.84% | -3.63% | -1.40% | -2.18% | -10.63% | -10.80% | -10.38% | -17.66% | -1,548 bps | |
| Net Interest Margin | 2.27% | 2.92% | 3.48% | 3.34% | 2.04% | 2.45% | 2.66% | 2.63% | -70 bps | |
| Efficiency Ratio | 103.15% | 93.94% | 90.21% | 89.66% | 111.65% | 116.07% | 94.86% | 119.05% | +2,939 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.77% | -0.32% | -0.23% | -1.68% | -0.92% | 2.39% | 2.12% | 0.89% | +258 bps | |
| Loan Growth (YoY) | -9.35% | -12.26% | -14.71% | -14.84% | -13.98% | -15.65% | 4.82% | 3.54% | +1,838 bps | |
| Share Growth (YoY) | -0.44% | -0.82% | -0.10% | -2.34% | -0.30% | 2.97% | 3.63% | 2.40% | +474 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.08% | 0.86% | 0.69% | 1.07% | 1.21% | 0.79% | 0.60% | 0.63% | -43 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 | 9.41% | 9.67% | 9.66% | 9.47% | 8.88% | 8.49% | 8.31% | 7.84% | -163 bps | |
| Net Worth / Assets | 9.41% | 9.67% | 9.66% | 9.47% | 8.88% | 8.49% | 8.31% | 7.84% | -163 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 52.93% | 52.21% | 49.02% | 46.95% | 45.66% | 42.77% | 49.58% | 47.47% | +52 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |