Concord, CA · Charter 68413
NCUA · 6 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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
93
Asset Quality
86
Profitability
47
Liquidity
84
Efficiency
23
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.
Concord, CA · Charter 68413
NCUA · 6 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.32% | 0.43% | 0.42% | 0.45% | 0.44% | 0.60% | 0.56% | 0.76% | +31 bps | |
| Return on Equity | 2.40% | 3.04% | 2.88% | 3.00% | 2.91% | 3.97% | 3.72% | 4.88% | +188 bps | |
| Net Interest Margin | 2.98% | 3.17% | 3.38% | 3.54% | 3.61% | 3.62% | 3.68% | 3.74% | +20 bps | |
| Efficiency Ratio | 84.92% | 82.52% | 80.39% | 80.42% | 80.32% | 76.07% | 78.58% | 78.21% | -221 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.35% | -5.49% | -9.15% | -7.07% | -8.49% | -3.97% | -0.82% | 0.22% | +729 bps | |
| Loan Growth (YoY) | -2.99% | -4.58% | -4.12% | -2.25% | -1.18% | -0.33% | 0.31% | 0.64% | +288 bps | |
| Share Growth (YoY) | -1.16% | -0.10% | -1.50% | -3.88% | -4.31% | -2.70% | -2.41% | -1.70% | +218 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.48% | 0.51% | 0.43% | 0.48% | 0.53% | 0.46% | 0.44% | 0.35% | -13 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 | 13.47% | 14.14% | 14.46% | 14.94% | 15.12% | 15.21% | 15.09% | 15.54% | +61 bps | |
| Net Worth / Assets | 13.47% | 14.14% | 14.46% | 14.94% | 15.12% | 15.21% | 15.09% | 15.54% | +61 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 86.71% | 87.22% | 84.76% | 88.46% | 89.55% | 89.35% | 87.12% | 90.56% | +210 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Concord, CA · Charter 68413 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 6 branches
Q2 2026
Return on Assets
0.76%
Rank 242 of 435
Net Interest Margin
3.74%
Rank 110 of 435
Efficiency Ratio
78.21%
Rank 334 of 435
Equity / Assets
15.54%
Rank 29 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.76% | 0.55% | 0.81% | 1.14% | Beats 44% | 242 / 435 | ||
| Return on Equity | 4.88% | 5.12% | 7.41% | 9.70% | Beats 23% | 334 / 435 | ||
| Net Interest Margin | 3.74% | 3.01% | 3.39% | 3.75% | Beats 75% | 110 / 435 | ||
| Efficiency Ratio | 78.21% | 65.25% | 71.39% | 77.86% | Beats 23% | 334 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.35% | 0.45% | 0.69% | 1.05% | Beats 86% | 62 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.54% | 9.81% | 10.84% | 12.63% | Beats 93% | 29 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 15.54% | 9.81% | 10.84% | 12.63% | Beats 93% | 29 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 90.56% | 78.33% | 88.38% | 95.61% | 57th pctl | 185 / 435 | ||
| Loans / Assets | 74.44% | 67.69% | 74.58% | 80.80% | 49th pctl | 220 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||