Rancho Cordova, CA · Charter 68395
NCUA · 4 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets in CA (n=62 to 63). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
43
Asset Quality
31
Profitability
30
Liquidity
0
Efficiency
48
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Rancho Cordova, CA · Charter 68395
NCUA · 4 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.15% | 0.23% | 0.20% | 0.29% | 0.31% | +15 bps | |
| Return on Equity | 1.57% | 2.29% | 2.02% | 2.93% | 3.11% | +155 bps | |
| Net Interest Margin | 3.22% | 3.25% | 3.25% | 3.26% | 3.26% | +4 bps | |
| Efficiency Ratio | 79.73% | 79.21% | 80.28% | 83.79% | 81.70% | +198 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.73% | 4.24% | 3.86% | 3.13% | 2.31% | +58 bps | |
| Loan Growth (YoY) | -3.70% | 2.73% | 7.73% | 5.32% | 9.88% | +1,357 bps | |
| Share Growth (YoY) | 1.93% | 4.61% | 4.07% | 3.32% | 2.22% | +29 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.69% | 0.64% | 0.64% | 0.64% | 0.75% | +6 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.77% | 9.84% | 9.83% | 9.76% | 9.81% | +5 bps | |
| Net Worth / Assets | 9.77% | 9.84% | 9.83% | 9.76% | 9.81% | +5 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 89.90% | 92.53% | 100.13% | 95.62% | 96.64% | +673 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Rancho Cordova, CA · Charter 68395 · Peer group: credit unions under $1B in assets in CA (n=62-63)
NCUA · 4 branches
Q2 2026
Return on Assets
0.31%
Rank 43 of 63
Net Interest Margin
3.26%
Rank 46 of 63
Efficiency Ratio
81.71%
Rank 34 of 63
Equity / Assets
9.81%
Rank 36 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.31% | 0.17% | 0.56% | 1.17% | Beats 32% | 43 / 63 | |
| Return on Equity | 3.11% | 1.81% | 4.79% | 8.64% | Beats 32% | 43 / 63 | |
| Net Interest Margin | 3.26% | 3.18% | 3.49% | 3.98% | Beats 27% | 46 / 63 | |
| Efficiency Ratio | 81.71% | 70.58% | 81.25% | 89.21% | Beats 48% | 34 / 63 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.75% | 0.17% | 0.42% | 0.85% | Beats 31% | 44 / 62 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.81% | 8.61% | 10.56% | 14.01% | Beats 43% | 36 / 63 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.81% | 8.61% | 10.56% | 14.01% | Beats 43% | 36 / 63 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 96.64% | 53.46% | 72.75% | 85.33% | 94th pctl | 4 / 62 | |
| Loans / Assets | 86.01% | 46.35% | 58.08% | 72.17% | 98th pctl | 1 / 63 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||