Fresno, CA · Charter 66788
NCUA · 1 branch
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
84
Asset Quality
90
Profitability
30
Liquidity
27
Efficiency
86
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.
Fresno, CA · Charter 66788
NCUA · 1 branch
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 | 0.18% | 0.26% | 0.03% | 0.26% | 0.49% | 0.54% | 0.36% | 0.55% | +30 bps | |
| Return on Equity | 1.22% | 1.74% | 0.20% | 1.75% | 3.30% | 3.66% | 2.32% | 3.59% | +184 bps | |
| Net Interest Margin | 0.97% | 1.04% | 1.09% | 1.19% | 1.26% | 1.31% | 1.53% | 1.55% | +36 bps | |
| Efficiency Ratio | 79.96% | 73.43% | 93.94% | 75.59% | 62.88% | 60.01% | 76.19% | 64.63% | -1,096 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.68% | 1.22% | 2.57% | 2.86% | 3.25% | 3.08% | -0.31% | -0.24% | -311 bps | |
| Loan Growth (YoY) | 2.34% | 3.09% | 2.96% | 3.95% | 6.12% | 5.67% | 2.78% | 1.08% | -287 bps | |
| Share Growth (YoY) | -0.06% | 0.35% | 2.62% | 2.85% | 3.13% | 2.86% | -1.08% | -1.11% | -396 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.03% | 0.07% | 0.02% | 0.04% | 0.04% | 0.03% | 0.05% | 0.04% | 0 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 | 14.71% | 14.69% | 14.64% | 14.64% | 14.73% | 14.79% | 15.33% | 15.39% | +75 bps | |
| Net Worth / Assets | 14.71% | 14.69% | 14.64% | 14.64% | 14.73% | 14.79% | 15.33% | 15.39% | +75 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 83.13% | 84.43% | 82.99% | 85.13% | 85.54% | 86.74% | 86.23% | 87.01% | +188 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Fresno, CA · Charter 66788 · Peer group: credit unions under $1B in assets in CA (n=62-63)
NCUA · 1 branch
Q2 2026
Return on Assets
0.55%
Rank 33 of 63
Net Interest Margin
1.55%
Rank 62 of 63
Efficiency Ratio
64.63%
Rank 10 of 63
Equity / Assets
15.39%
Rank 10 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.55% | 0.17% | 0.56% | 1.17% | Beats 48% | 33 / 63 | ||
| Return on Equity | 3.59% | 1.81% | 4.79% | 8.64% | Beats 40% | 38 / 63 | ||
| Net Interest Margin | 1.55% | 3.18% | 3.49% | 3.98% | Beats 2% | 62 / 63 | ||
| Efficiency Ratio | 64.63% | 70.58% | 81.25% | 89.21% | Beats 86% | 10 / 63 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.04% | 0.17% | 0.42% | 0.85% | Beats 90% | 7 / 62 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.39% | 8.61% | 10.56% | 14.01% | Beats 84% | 10 / 63 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 15.39% | 8.61% | 10.56% | 14.01% | Beats 84% | 10 / 63 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 87.01% | 53.46% | 72.75% | 85.33% | 79th pctl | 13 / 62 | ||
| Loans / Assets | 72.09% | 46.35% | 58.08% | 72.17% | 73rd pctl | 17 / 63 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||