Fresno, CA · Charter 68008
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
71
Asset Quality
50
Profitability
81
Liquidity
65
Efficiency
76
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 68008
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 | 0.67% | 0.63% | 0.87% | 0.57% | 0.65% | 0.61% | 1.05% | 1.37% | +80 bps | |
| Return on Equity | 5.00% | 4.64% | 6.56% | 4.23% | 4.89% | 4.56% | 7.98% | 9.96% | +574 bps | |
| Net Interest Margin | 3.83% | 3.92% | 4.13% | 4.13% | 4.08% | 4.12% | 4.05% | 4.19% | +6 bps | |
| Efficiency Ratio | 81.24% | 81.40% | 79.97% | 80.10% | 80.24% | 79.17% | 76.63% | 70.57% | -952 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.66% | -1.05% | 1.10% | 0.30% | 5.55% | 5.94% | 6.02% | 5.78% | +548 bps | |
| Loan Growth (YoY) | -0.36% | -0.68% | 0.65% | 3.27% | 4.55% | 5.13% | 3.80% | 1.06% | -221 bps | |
| Share Growth (YoY) | -3.41% | -1.83% | -0.15% | -0.40% | 5.89% | 5.63% | 6.00% | 5.78% | +618 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.50% | 0.28% | 0.20% | 0.52% | 0.42% | 0.78% | 0.54% | 0.42% | -10 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 | 13.32% | 13.48% | 13.29% | 13.45% | 13.22% | 13.34% | 13.18% | 13.73% | +28 bps | |
| Net Worth / Assets | 13.32% | 13.48% | 13.29% | 13.45% | 13.22% | 13.34% | 13.18% | 13.73% | +28 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 62.73% | 63.52% | 62.30% | 63.94% | 61.94% | 63.22% | 61.01% | 61.09% | -285 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 68008 · Peer group: credit unions under $1B in assets in CA (n=62-63)
NCUA · 1 branch
Q2 2026
Return on Assets
1.37%
Rank 11 of 63
Net Interest Margin
4.19%
Rank 13 of 63
Efficiency Ratio
70.58%
Rank 16 of 63
Equity / Assets
13.73%
Rank 18 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.37% | 0.17% | 0.56% | 1.17% | Beats 83% | 11 / 63 | ||
| Return on Equity | 9.96% | 1.81% | 4.79% | 8.64% | Beats 81% | 12 / 63 | ||
| Net Interest Margin | 4.19% | 3.18% | 3.49% | 3.98% | Beats 79% | 13 / 63 | ||
| Efficiency Ratio | 70.58% | 70.58% | 81.25% | 89.21% | Beats 76% | 16 / 63 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.42% | 0.17% | 0.42% | 0.85% | Beats 50% | 32 / 62 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.73% | 8.61% | 10.56% | 14.01% | Beats 71% | 18 / 63 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 13.73% | 8.61% | 10.56% | 14.01% | Beats 71% | 18 / 63 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 61.09% | 53.46% | 72.75% | 85.33% | 39th pctl | 38 / 62 | ||
| Loans / Assets | 52.44% | 46.35% | 58.08% | 72.17% | 40th pctl | 38 / 63 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||