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 | |