Concord, CA · Charter 65155
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 the Milwaukee-Waukesha, WI area (n=15). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
47
Asset Quality
53
Profitability
18
Liquidity
44
Efficiency
73
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.
Concord, CA · Charter 65155
NCUA · 2 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 | 1.71% | 1.70% | 2.74% | 2.07% | 1.82% | 1.72% | -1.15% | 0.02% | -206 bps | |
| Return on Equity | 10.14% | 9.96% | 15.46% | 11.59% | 10.03% | 9.53% | -6.80% | 0.09% | -1,151 bps | |
| Net Interest Margin | 4.21% | 4.26% | 4.82% | 4.97% | 4.98% | 4.88% | 4.58% | 4.66% | -31 bps | |
| Efficiency Ratio | 58.04% | 65.45% | 53.72% | 58.78% | 61.26% | 63.43% | 68.59% | 71.11% | +1,233 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.77% | 4.72% | 3.39% | 4.98% | 3.23% | 4.48% | 9.28% | 7.65% | +268 bps | |
| Loan Growth (YoY) | 16.96% | 26.16% | 25.15% | 19.11% | 12.29% | 5.75% | -0.87% | -1.23% | -2,034 bps | |
| Share Growth (YoY) | -0.24% | 3.21% | 1.71% | 4.22% | 1.78% | 3.52% | 10.47% | 8.51% | +428 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.42% | 0.69% | 0.38% | 0.76% | 1.05% | 0.00% | 0.16% | 0.45% | -31 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 | 16.83% | 17.02% | 17.71% | 17.88% | 18.17% | 18.00% | 16.93% | 17.30% | -58 bps | |
| Net Worth / Assets | 16.83% | 17.02% | 17.71% | 17.88% | 18.17% | 18.00% | 16.93% | 17.30% | -58 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 61.03% | 63.65% | 67.56% | 68.49% | 67.33% | 65.02% | 60.62% | 62.35% | -615 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Concord, CA · Charter 65155 · Peer group: credit unions under $1B in assets in the Milwaukee-Waukesha, WI area (n=15)
NCUA · 2 branches
Q2 2026
Return on Assets
0.01%
Rank 15 of 15
Net Interest Margin
4.65%
Rank 7 of 15
Efficiency Ratio
71.34%
Rank 5 of 15
Equity / Assets
17.30%
Rank 8 of 15
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.01% | 0.50% | 0.76% | 1.34% | Beats 0% | 15 / 15 | ||
| Return on Equity | 0.08% | 2.37% | 4.90% | 7.95% | Beats 0% | 15 / 15 | ||
| Net Interest Margin | 4.65% | 3.53% | 4.50% | 4.86% | Beats 53% | 7 / 15 | ||
| Efficiency Ratio | 71.34% | 69.88% | 80.52% | 87.17% | Beats 73% | 5 / 15 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.45% | 0.06% | 0.45% | 1.49% | Beats 53% | 8 / 15 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 17.30% | 10.98% | 17.30% | 27.61% | Beats 47% | 8 / 15 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 17.30% | 10.98% | 17.30% | 27.61% | Beats 47% | 8 / 15 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 62.35% | 50.66% | 78.47% | 90.72% | 40th pctl | 9 / 15 | ||
| Loans / Assets | 51.58% | 44.38% | 58.78% | 71.82% | 33rd pctl | 10 / 15 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||