PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Greater Valley

Fresno, CA · Charter 64660

NCUA · 2 branches

Q2 2026

$34.4MAssets
$12.6MLoans
$29.2MShares
$5.0MNet Worth

Executive Summary

  • Earnings: ROA of 0.65%, up 1 bps year over year; NIM at 2.97%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 14.42%, up 19 bps from a year ago.
  • Funding: loans stand at 43.24% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

0.65%+1 bps YoY

Net Interest Margin (quarter, annualized)

2.97%+29 bps YoY

Efficiency Ratio (quarter, annualized)

76.74%-15 bps YoY

Net Worth / Assets

14.42%+19 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.19%0.30%0.59%0.64%0.68%0.71%0.66%0.65%+1 bps
Return on Equity1.36%2.12%4.20%4.52%4.79%4.90%4.52%4.52%0 bps
Net Interest Margin2.49%2.59%2.54%2.68%2.73%2.82%3.01%2.97%+29 bps
Efficiency Ratio89.94%87.26%78.08%76.89%75.21%74.41%76.08%76.74%-15 bps
Growth
Asset Growth (YoY)-7.38%-3.67%-1.33%1.20%3.60%3.68%0.74%3.79%+259 bps
Loan Growth (YoY)2.86%-1.36%-3.33%-3.98%0.36%1.91%9.03%7.17%+1,115 bps
Share Growth (YoY)-9.18%-4.80%-2.72%0.56%3.20%3.34%-0.08%3.49%+293 bps
Asset Quality
Delinquent Loans / Loans1.34%0.21%0.09%0.00%0.00%0.27%0.01%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital13.97%14.23%14.05%14.23%14.15%14.43%14.68%14.42%+19 bps
Net Worth / Assets13.97%14.23%14.05%14.23%14.15%14.43%14.68%14.42%+19 bps
Liquidity & Funding
Loans / Shares43.93%43.08%41.74%41.75%42.72%42.48%45.55%43.24%+149 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps