PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Central Valley Firefighters

Fresno, CA · Charter 68008

NCUA · 1 branch

Q2 2026

$49.5MAssets
$25.9MLoans
$42.5MShares
$6.8MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.37%, up 80 bps year over year; NIM at 4.19%.
  • Asset quality: problem loans at 0.42% of loans (-10 bps YoY).
  • Capital: net worth / assets of 13.73%, up 28 bps from a year ago.
  • Funding: loans stand at 61.09% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.37%+80 bps YoY

Net Interest Margin (YTD, annualized)

4.19%+6 bps YoY

Efficiency Ratio (YTD, annualized)

70.57%-952 bps YoY

Net Worth / Assets

13.73%+28 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.57%0.65%0.61%1.05%1.37%+80 bps
Return on Equity4.23%4.89%4.56%7.98%9.96%+574 bps
Net Interest Margin4.13%4.08%4.12%4.05%4.19%+6 bps
Efficiency Ratio80.10%80.24%79.17%76.63%70.57%-952 bps
Growth
Asset Growth (YoY)0.30%5.55%5.94%6.02%5.78%+548 bps
Loan Growth (YoY)3.27%4.55%5.13%3.80%1.06%-221 bps
Share Growth (YoY)-0.40%5.89%5.63%6.00%5.78%+618 bps
Asset Quality
Delinquent Loans / Loans0.52%0.42%0.78%0.54%0.42%-10 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital13.45%13.22%13.34%13.18%13.73%+28 bps
Net Worth / Assets13.45%13.22%13.34%13.18%13.73%+28 bps
Liquidity & Funding
Loans / Shares63.94%61.94%63.22%61.01%61.09%-285 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps