Yuba City, CA · Charter 68053
NCUA · 18 branches
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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
30
Asset Quality
65
Profitability
48
Liquidity
41
Efficiency
65
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.
Yuba City, CA · Charter 68053
NCUA · 18 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 | 0.12% | 0.10% | 0.28% | 0.32% | 0.41% | 0.46% | 0.45% | 0.71% | +38 bps | |
| Return on Equity | 1.15% | 1.03% | 2.86% | 3.32% | 4.16% | 4.74% | 4.63% | 7.07% | +375 bps | |
| Net Interest Margin | 2.78% | 2.81% | 3.30% | 3.34% | 3.37% | 3.45% | 3.54% | 3.51% | +17 bps | |
| Efficiency Ratio | 78.02% | 77.61% | 70.73% | 70.44% | 70.18% | 69.38% | 67.08% | 67.56% | -288 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.86% | -0.97% | 1.23% | 2.59% | 3.96% | 1.76% | 2.19% | 2.20% | -40 bps | |
| Loan Growth (YoY) | 0.99% | -0.54% | -0.14% | -0.85% | -0.89% | -1.73% | -2.60% | -2.71% | -186 bps | |
| Share Growth (YoY) | -2.70% | 0.62% | 1.59% | 2.96% | 4.09% | 1.40% | 1.84% | 1.58% | -139 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.44% | 0.63% | 0.57% | 0.43% | 0.36% | 0.55% | 0.51% | 0.55% | +12 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 | 10.09% | 9.76% | 9.74% | 9.79% | 9.77% | 9.80% | 9.81% | 10.00% | +22 bps | |
| Net Worth / Assets | 10.09% | 9.76% | 9.74% | 9.79% | 9.77% | 9.80% | 9.81% | 10.00% | +22 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.42% | 79.05% | 78.29% | 77.80% | 76.57% | 76.61% | 74.87% | 74.51% | -329 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Yuba City, CA · Charter 68053 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 18 branches
Q2 2026
Return on Assets
0.71%
Rank 268 of 435
Net Interest Margin
3.51%
Rank 176 of 435
Efficiency Ratio
67.56%
Rank 154 of 435
Equity / Assets
10.00%
Rank 303 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.71% | 0.55% | 0.81% | 1.14% | Beats 38% | 268 / 435 | ||
| Return on Equity | 7.07% | 5.12% | 7.41% | 9.70% | Beats 46% | 236 / 435 | ||
| Net Interest Margin | 3.51% | 3.01% | 3.39% | 3.75% | Beats 60% | 176 / 435 | ||
| Efficiency Ratio | 67.56% | 65.25% | 71.39% | 77.86% | Beats 65% | 154 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.55% | 0.45% | 0.69% | 1.05% | Beats 65% | 153 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.00% | 9.81% | 10.84% | 12.63% | Beats 30% | 303 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.00% | 9.81% | 10.84% | 12.63% | Beats 30% | 303 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 74.51% | 78.33% | 88.38% | 95.61% | 19th pctl | 352 / 435 | ||
| Loans / Assets | 66.43% | 67.69% | 74.58% | 80.80% | 22nd pctl | 341 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||