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 | |