Folsom, CA · Charter 68366
NCUA · 18 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.49% | 0.57% | 0.58% | 0.69% | 0.65% | 0.65% | 0.93% | 0.97% | +28 bps | |
| Return on Equity | 5.33% | 5.69% | 5.90% | 6.80% | 6.28% | 6.24% | 8.82% | 8.96% | +216 bps | |
| Net Interest Margin | 2.20% | 2.38% | 2.41% | 2.50% | 2.59% | 2.64% | 2.86% | 2.95% | +44 bps | |
| Efficiency Ratio | 80.07% | 80.77% | 77.27% | 76.22% | 76.93% | 77.27% | 72.29% | 72.52% | -370 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.32% | -7.16% | -5.38% | -5.12% | -5.54% | 1.94% | 0.29% | 0.45% | +557 bps | |
| Loan Growth (YoY) | -2.65% | -5.30% | -6.30% | -5.84% | -4.33% | 0.34% | 2.99% | 2.63% | +846 bps | |
| Share Growth (YoY) | -3.04% | -1.24% | 0.90% | 1.05% | 0.43% | 0.80% | -1.05% | -0.72% | -177 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.47% | 0.42% | 0.30% | 0.49% | 0.42% | 0.54% | 0.42% | 0.52% | +3 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 | 9.22% | 9.99% | 9.86% | 10.15% | 10.34% | 10.37% | 10.49% | 10.82% | +66 bps | |
| Net Worth / Assets | 9.22% | 9.99% | 9.86% | 10.15% | 10.34% | 10.37% | 10.49% | 10.82% | +66 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 82.31% | 80.20% | 76.74% | 77.33% | 78.40% | 79.84% | 79.87% | 79.94% | +261 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |