California Community
Sacramento, CA · Charter 68321 · Peer group: credit unions under $1B in assets in CA (n=62-63)
NCUA · 4 branches
Q2 2026
$82.5MAssets
$29.1MLoans
$71.5MShares
$10.1MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 85% of credit unions under $1B in assets in CA (rank 10 of 62).
- Widest gap: net interest margin trails 83% of credit unions under $1B in assets in CA (rank 52 of 63).
- Overall: at or above the peer median on 3 of 7 directional measures.
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 | 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 |