Fresno, CA · Charter 64660
NCUA · 2 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
79
Asset Quality
100
Profitability
38
Liquidity
3
Efficiency
62
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.
Fresno, CA · Charter 64660
NCUA · 2 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 | 0.64% | 0.68% | 0.71% | 0.66% | 0.65% | +1 bps | |
| Return on Equity | 4.52% | 4.79% | 4.90% | 4.52% | 4.52% | 0 bps | |
| Net Interest Margin | 2.68% | 2.73% | 2.82% | 3.01% | 2.97% | +29 bps | |
| Efficiency Ratio | 76.89% | 75.21% | 74.41% | 76.08% | 76.74% | -15 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.20% | 3.60% | 3.68% | 0.74% | 3.79% | +259 bps | |
| Loan Growth (YoY) | -3.98% | 0.36% | 1.91% | 9.03% | 7.17% | +1,115 bps | |
| Share Growth (YoY) | 0.56% | 3.20% | 3.34% | -0.08% | 3.49% | +293 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.27% | 0.01% | 0.00% | 0 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 | 14.23% | 14.15% | 14.43% | 14.68% | 14.42% | +19 bps | |
| Net Worth / Assets | 14.23% | 14.15% | 14.43% | 14.68% | 14.42% | +19 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 41.75% | 42.72% | 42.48% | 45.55% | 43.24% | +149 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Fresno, CA · Charter 64660 · Peer group: credit unions under $1B in assets in CA (n=62-63)
NCUA · 2 branches
Q2 2026
Return on Assets
0.65%
Rank 29 of 63
Net Interest Margin
2.97%
Rank 55 of 63
Efficiency Ratio
76.79%
Rank 25 of 63
Equity / Assets
14.42%
Rank 13 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.65% | 0.17% | 0.56% | 1.17% | Beats 54% | 29 / 63 | |
| Return on Equity | 4.51% | 1.81% | 4.79% | 8.64% | Beats 46% | 34 / 63 | |
| Net Interest Margin | 2.97% | 3.18% | 3.49% | 3.98% | Beats 13% | 55 / 63 | |
| Efficiency Ratio | 76.79% | 70.58% | 81.25% | 89.21% | Beats 62% | 25 / 63 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.17% | 0.42% | 0.85% | Beats 100% | 4 / 62 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 14.42% | 8.61% | 10.56% | 14.01% | Beats 79% | 13 / 63 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 14.42% | 8.61% | 10.56% | 14.01% | Beats 79% | 13 / 63 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 43.23% | 53.46% | 72.75% | 85.33% | 11th pctl | 55 / 62 | |
| Loans / Assets | 36.73% | 46.35% | 58.08% | 72.17% | 11th pctl | 56 / 63 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||