Merced, CA · Charter 64766
NCUA · 4 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
63
Asset Quality
8
Profitability
73
Liquidity
85
Efficiency
92
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.
Merced, CA · Charter 64766
NCUA · 4 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.35% | 0.53% | 5.79% | 3.26% | 2.41% | 1.82% | 1.43% | 0.83% | -244 bps | |
| Return on Equity | 3.26% | 4.98% | 49.47% | 27.26% | 19.53% | 15.08% | 11.48% | 6.62% | -2,064 bps | |
| Net Interest Margin | 4.61% | 4.60% | 4.79% | 4.92% | 5.10% | 5.08% | 5.21% | 5.33% | +40 bps | |
| Efficiency Ratio | 64.82% | 64.26% | 34.03% | 45.25% | 50.51% | 54.22% | 55.65% | 60.47% | +1,522 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.16% | 8.42% | 10.52% | 10.86% | 3.90% | 2.84% | -0.50% | 0.42% | -1,044 bps | |
| Loan Growth (YoY) | 15.41% | 7.85% | -1.60% | -6.24% | -7.92% | -6.58% | -5.73% | -5.37% | +87 bps | |
| Share Growth (YoY) | 15.08% | 9.61% | 9.41% | 9.43% | 1.44% | 0.60% | -1.08% | 0.20% | -923 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.29% | 1.38% | 1.35% | 1.39% | 1.50% | 2.09% | 1.57% | 1.34% | -5 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 | 10.70% | 10.61% | 11.71% | 11.97% | 12.32% | 12.09% | 12.44% | 12.48% | +51 bps | |
| Net Worth / Assets | 10.70% | 10.61% | 11.71% | 11.97% | 12.32% | 12.09% | 12.44% | 12.48% | +51 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.46% | 73.83% | 70.93% | 70.76% | 71.22% | 68.56% | 67.59% | 66.83% | -393 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 98.69% | 0.00% | 0.00% | 0 bps | |
Merced, CA · Charter 64766 · Peer group: credit unions under $1B in assets in CA (n=62-63)
NCUA · 4 branches
Q2 2026
Return on Assets
0.83%
Rank 24 of 63
Net Interest Margin
5.33%
Rank 2 of 63
Efficiency Ratio
60.47%
Rank 6 of 63
Equity / Assets
12.48%
Rank 23 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.83% | 0.17% | 0.56% | 1.17% | Beats 62% | 24 / 63 | ||
| Return on Equity | 6.62% | 1.81% | 4.79% | 8.64% | Beats 60% | 25 / 63 | ||
| Net Interest Margin | 5.33% | 3.18% | 3.49% | 3.98% | Beats 97% | 2 / 63 | ||
| Efficiency Ratio | 60.47% | 70.58% | 81.25% | 89.21% | Beats 92% | 6 / 63 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.34% | 0.17% | 0.42% | 0.85% | Beats 8% | 58 / 62 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.48% | 8.61% | 10.56% | 14.01% | Beats 63% | 23 / 63 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.48% | 8.61% | 10.56% | 14.01% | Beats 63% | 23 / 63 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 66.83% | 53.46% | 72.75% | 85.33% | 45th pctl | 34 / 62 | ||
| Loans / Assets | 58.08% | 46.35% | 58.08% | 72.17% | 49th pctl | 32 / 63 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||