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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |