PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

San Joaquin Power Employees

Fresno, CA · Charter 66788

NCUA · 1 branch

Q2 2026

$174.9MAssets
$126.0MLoans
$144.9MShares
$26.9MNet Worth

Executive Summary

  • Earnings: ROA of 0.55%, up 30 bps year over year; NIM at 1.55%.
  • Asset quality: problem loans at 0.04% of loans (0 bps YoY).
  • Capital: net worth / assets of 15.39%, up 75 bps from a year ago.
  • Funding: loans stand at 87.01% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

0.55%+30 bps YoY

Net Interest Margin (quarter, annualized)

1.55%+36 bps YoY

Efficiency Ratio (quarter, annualized)

64.63%-1,096 bps YoY

Net Worth / Assets

15.39%+75 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.18%0.26%0.03%0.26%0.49%0.54%0.36%0.55%+30 bps
Return on Equity1.22%1.74%0.20%1.75%3.30%3.66%2.32%3.59%+184 bps
Net Interest Margin0.97%1.04%1.09%1.19%1.26%1.31%1.53%1.55%+36 bps
Efficiency Ratio79.96%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 / Loans0.03%0.07%0.02%0.04%0.04%0.03%0.05%0.04%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital14.71%14.69%14.64%14.64%14.73%14.79%15.33%15.39%+75 bps
Net Worth / Assets14.71%14.69%14.64%14.64%14.73%14.79%15.33%15.39%+75 bps
Liquidity & Funding
Loans / Shares83.13%84.43%82.99%85.13%85.54%86.74%86.23%87.01%+188 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps