Modesto, CA · Charter 68402
NCUA · 9 branches
Q4 2025
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.47% | 0.34% | 0.63% | 0.61% | 0.54% | +7 bps | |
| Return on Equity | 4.77% | 3.47% | 6.33% | 6.04% | 5.46% | +69 bps | |
| Net Interest Margin | 3.31% | 3.48% | 3.62% | 3.64% | 3.61% | +30 bps | |
| Efficiency Ratio | 73.86% | 75.40% | 71.22% | 69.62% | 70.75% | -311 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.78% | 0.51% | 0.35% | 0.73% | 3.56% | +277 bps | |
| Loan Growth (YoY) | -3.35% | -1.30% | -0.14% | 3.37% | 8.48% | +1,184 bps | |
| Share Growth (YoY) | 5.50% | 3.93% | 0.81% | 0.16% | 4.69% | -81 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.81% | 9.69% | 10.02% | 10.12% | 9.92% | +10 bps | |
| Net Worth / Assets | 9.81% | 9.69% | 10.02% | 10.12% | 9.92% | +10 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |