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 | |