Sacramento, CA · Charter 68321
NCUA · 4 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 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
62
Asset Quality
85
Profitability
34
Liquidity
0
Efficiency
32
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.
Sacramento, CA · Charter 68321
NCUA · 4 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 | 0.61% | 0.51% | 0.30% | 0.36% | 0.32% | 0.32% | 0.45% | 0.49% | +13 bps | |
| Return on Equity | 5.08% | 4.25% | 2.53% | 2.98% | 2.55% | 2.59% | 3.58% | 4.01% | +104 bps | |
| Net Interest Margin | 3.04% | 3.05% | 2.99% | 3.09% | 3.20% | 3.20% | 3.18% | 3.08% | -1 bps | |
| Efficiency Ratio | 80.25% | 83.21% | 86.81% | 85.91% | 88.06% | 86.66% | 84.74% | 85.83% | -8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.08% | 2.15% | 4.71% | 2.31% | -0.70% | -0.40% | -2.29% | 3.08% | +76 bps | |
| Loan Growth (YoY) | 1.68% | 0.61% | 2.17% | 1.70% | -3.17% | -0.11% | -2.00% | -2.92% | -462 bps | |
| Share Growth (YoY) | -0.20% | 2.17% | 4.66% | 2.28% | -1.64% | -0.99% | -2.98% | 3.38% | +110 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.46% | 0.20% | 0.12% | 0.10% | 0.20% | 0.43% | 0.19% | 0.07% | -2 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 | 12.05% | 12.11% | 11.83% | 12.18% | 12.42% | 12.48% | 12.46% | 12.20% | +1 bps | |
| Net Worth / Assets | 12.05% | 12.11% | 11.83% | 12.18% | 12.42% | 12.48% | 12.46% | 12.20% | +1 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 43.14% | 43.35% | 41.47% | 43.30% | 42.47% | 43.73% | 41.89% | 40.66% | -264 bps | |
| Liquid Assets / Assets | 99.61% | 0.00% | 99.05% | 0.00% | 100.00% | 99.65% | 0.00% | 0.00% | 0 bps | |
Sacramento, CA · Charter 68321 · Peer group: credit unions under $1B in assets in CA (n=62-63)
NCUA · 4 branches
Q2 2026
Return on Assets
0.49%
Rank 36 of 63
Net Interest Margin
3.08%
Rank 52 of 63
Efficiency Ratio
85.83%
Rank 44 of 63
Equity / Assets
12.20%
Rank 24 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.49% | 0.17% | 0.56% | 1.17% | Beats 43% | 36 / 63 | ||
| Return on Equity | 4.01% | 1.81% | 4.79% | 8.64% | Beats 43% | 36 / 63 | ||
| Net Interest Margin | 3.08% | 3.18% | 3.49% | 3.98% | Beats 17% | 52 / 63 | ||
| Efficiency Ratio | 85.83% | 70.58% | 81.25% | 89.21% | Beats 32% | 44 / 63 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.08% | 0.17% | 0.42% | 0.85% | Beats 85% | 10 / 62 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.20% | 8.61% | 10.56% | 14.01% | Beats 62% | 24 / 63 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.20% | 8.61% | 10.56% | 14.01% | Beats 62% | 24 / 63 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 40.66% | 53.46% | 72.75% | 85.33% | 5th pctl | 59 / 62 | ||
| Loans / Assets | 35.24% | 46.35% | 58.08% | 72.17% | 6th pctl | 59 / 63 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||