PackageTrendsPeer
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Folsom, CA · Charter 68366

NCUA · 18 branches

Q2 2026

$4.4BAssets
$3.1BLoans
$3.9BShares
$477.9MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.97%, up 28 bps year over year; NIM at 2.95%.
  • Asset quality: problem loans at 0.52% of loans (+3 bps YoY).
  • Capital: net worth / assets of 10.82%, up 66 bps from a year ago.
  • Funding: loans stand at 79.94% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.97%+28 bps YoY

Net Interest Margin (YTD, annualized)

2.95%+44 bps YoY

Efficiency Ratio (YTD, annualized)

72.52%-370 bps YoY

Net Worth / Assets

10.82%+66 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.69%0.65%0.65%0.93%0.97%+28 bps
Return on Equity6.80%6.28%6.24%8.82%8.96%+216 bps
Net Interest Margin2.50%2.59%2.64%2.86%2.95%+44 bps
Efficiency Ratio76.22%76.93%77.27%72.29%72.52%-370 bps
Growth
Asset Growth (YoY)-5.12%-5.54%1.94%0.29%0.45%+557 bps
Loan Growth (YoY)-5.84%-4.33%0.34%2.99%2.63%+846 bps
Share Growth (YoY)1.05%0.43%0.80%-1.05%-0.72%-177 bps
Asset Quality
Delinquent Loans / Loans0.49%0.42%0.54%0.42%0.52%+3 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.15%10.34%10.37%10.49%10.82%+66 bps
Net Worth / Assets10.15%10.34%10.37%10.49%10.82%+66 bps
Liquidity & Funding
Loans / Shares77.33%78.40%79.84%79.87%79.94%+261 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps