Merced, CA · Charter 64766
NCUA · 4 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 | 3.26% | 2.41% | 1.82% | 1.43% | 0.83% | -244 bps | |
| Return on Equity | 27.26% | 19.53% | 15.08% | 11.48% | 6.62% | -2,064 bps | |
| Net Interest Margin | 4.92% | 5.10% | 5.08% | 5.21% | 5.33% | +40 bps | |
| Efficiency Ratio | 45.25% | 50.51% | 54.22% | 55.65% | 60.47% | +1,522 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.86% | 3.90% | 2.84% | -0.50% | 0.42% | -1,044 bps | |
| Loan Growth (YoY) | -6.24% | -7.92% | -6.58% | -5.73% | -5.37% | +87 bps | |
| Share Growth (YoY) | 9.43% | 1.44% | 0.60% | -1.08% | 0.20% | -923 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.97% | 12.32% | 12.09% | 12.44% | 12.48% | +51 bps | |
| Net Worth / Assets | 11.97% | 12.32% | 12.09% | 12.44% | 12.48% | +51 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 70.76% | 71.22% | 68.56% | 67.59% | 66.83% | -393 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 98.69% | 0.00% | 0.00% | 0 bps | |