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Folsom, CA · Charter 68366 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 18 branches
Q2 2026
$4.4BAssets
$3.1BLoans
$3.9BShares
$477.9MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 68% of credit unions $1B-$10B in assets (rank 139 of 435).
- Widest gap: net interest margin trails 79% of credit unions $1B-$10B in assets (rank 342 of 435).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.97%
Rank 150 of 435
Net Interest Margin
2.95%
Rank 342 of 435
Efficiency Ratio
72.52%
Rank 234 of 435
Equity / Assets
10.82%
Rank 223 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.97% | 0.55% | 0.81% | 1.14% | Beats 66% | 150 / 435 | | |
| Return on Equity | 8.96% | 5.12% | 7.41% | 9.70% | Beats 68% | 139 / 435 | | |
| Net Interest Margin | 2.95% | 3.01% | 3.39% | 3.75% | Beats 21% | 342 / 435 | | |
| Efficiency Ratio | 72.52% | 65.25% | 71.39% | 77.86% | Beats 46% | 234 / 435 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.52% | 0.45% | 0.69% | 1.05% | Beats 67% | 143 / 435 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.82% | 9.81% | 10.84% | 12.63% | Beats 49% | 223 / 435 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.82% | 9.81% | 10.84% | 12.63% | Beats 49% | 223 / 435 | | |
| Liquidity & Funding |
| Loans / Deposits | 79.94% | 78.33% | 88.38% | 95.61% | 29th pctl | 310 / 435 | | |
| Loans / Assets | 71.24% | 67.69% | 74.58% | 80.80% | 37th pctl | 273 / 435 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |