Modesto, CA · Charter 68402
NCUA · 9 branches
Q4 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2025, the quarter ended December 31, 2025, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions $1B-$10B in assets (n=428). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
31
Asset Quality
29
Profitability
48
Liquidity
97
Efficiency
57
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.
Modesto, CA · Charter 68402
NCUA · 9 branches
Q4 2025
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 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.81% | 0.48% | 0.43% | 0.47% | 0.34% | 0.63% | 0.61% | 0.54% | +7 bps | |
| Return on Equity | 8.48% | 4.95% | 4.40% | 4.77% | 3.47% | 6.33% | 6.04% | 5.46% | +69 bps | |
| Net Interest Margin | 3.08% | 3.14% | 3.22% | 3.31% | 3.48% | 3.62% | 3.64% | 3.61% | +30 bps | |
| Efficiency Ratio | 70.93% | 72.28% | 72.77% | 73.86% | 75.40% | 71.22% | 69.62% | 70.75% | -311 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.47% | -0.01% | 1.11% | 0.78% | 0.51% | 0.35% | 0.73% | 3.56% | +277 bps | |
| Loan Growth (YoY) | -5.90% | -6.72% | -5.91% | -3.35% | -1.30% | -0.14% | 3.37% | 8.48% | +1,184 bps | |
| Share Growth (YoY) | -0.03% | 3.93% | 6.17% | 5.50% | 3.93% | 0.81% | 0.16% | 4.69% | -81 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.76% | 0.71% | 0.68% | 1.00% | 0.93% | 0.94% | 0.81% | 1.00% | 0 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 | 9.51% | 9.61% | 9.69% | 9.81% | 9.69% | 10.02% | 10.12% | 9.92% | +10 bps | |
| Net Worth / Assets | 9.51% | 9.61% | 9.69% | 9.81% | 9.69% | 10.02% | 10.12% | 9.92% | +10 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.67% | 84.65% | 83.60% | 84.64% | 81.35% | 83.85% | 86.28% | 87.71% | +307 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Modesto, CA · Charter 68402 · Peer group: credit unions $1B-$10B in assets (n=428)
NCUA · 9 branches
Q4 2025
Return on Assets
0.54%
Rank 292 of 428
Net Interest Margin
3.61%
Rank 103 of 428
Efficiency Ratio
70.75%
Rank 186 of 428
Equity / Assets
9.92%
Rank 295 of 428
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.54% | 0.47% | 0.71% | 1.00% | Beats 32% | 292 / 428 | ||
| Return on Equity | 5.46% | 4.35% | 6.65% | 8.96% | Beats 36% | 272 / 428 | ||
| Net Interest Margin | 3.61% | 2.83% | 3.23% | 3.60% | Beats 76% | 103 / 428 | ||
| Efficiency Ratio | 70.75% | 65.54% | 72.60% | 78.49% | Beats 57% | 186 / 428 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.00% | 0.46% | 0.75% | 1.06% | Beats 29% | 305 / 428 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.92% | 9.74% | 10.76% | 12.36% | Beats 31% | 295 / 428 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.92% | 9.74% | 10.76% | 12.36% | Beats 31% | 295 / 428 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 87.71% | 77.85% | 88.44% | 95.44% | 48th pctl | 221 / 428 | ||
| Loans / Assets | 72.98% | 67.70% | 74.57% | 80.54% | 43rd pctl | 243 / 428 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||