Rancho Cordova, CA · Charter 68395
NCUA · 4 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 | 0.98% | 0.72% | 0.18% | 0.15% | 0.23% | 0.20% | 0.29% | 0.31% | +15 bps | |
| Return on Equity | 9.67% | 7.17% | 1.85% | 1.57% | 2.29% | 2.02% | 2.93% | 3.11% | +155 bps | |
| Net Interest Margin | 3.19% | 3.20% | 3.25% | 3.22% | 3.25% | 3.25% | 3.26% | 3.26% | +4 bps | |
| Efficiency Ratio | 66.66% | 67.45% | 80.93% | 79.73% | 79.21% | 80.28% | 83.79% | 81.70% | +198 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.06% | -1.78% | -1.60% | 1.73% | 4.24% | 3.86% | 3.13% | 2.31% | +58 bps | |
| Loan Growth (YoY) | 1.13% | 1.71% | -1.45% | -3.70% | 2.73% | 7.73% | 5.32% | 9.88% | +1,357 bps | |
| Share Growth (YoY) | -0.90% | -2.71% | -1.41% | 1.93% | 4.61% | 4.07% | 3.32% | 2.22% | +29 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.70% | 0.73% | 0.47% | 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 | 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 | 10.10% | 10.01% | 9.85% | 9.77% | 9.84% | 9.83% | 9.76% | 9.81% | +5 bps | |
| Net Worth / Assets | 10.10% | 10.01% | 9.85% | 9.77% | 9.84% | 9.83% | 9.76% | 9.81% | +5 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 94.22% | 96.73% | 93.80% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |