PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Pacific Service

Concord, CA · Charter 68413

NCUA · 6 branches

Q2 2026

$1.3BAssets
$987.6MLoans
$1.1BShares
$206.2MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.76%, up 31 bps year over year; NIM at 3.74%.
  • Asset quality: problem loans at 0.35% of loans (-13 bps YoY).
  • Capital: net worth / assets of 15.54%, up 61 bps from a year ago.
  • Funding: loans stand at 90.56% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.76%+31 bps YoY

Net Interest Margin (YTD, annualized)

3.74%+20 bps YoY

Efficiency Ratio (YTD, annualized)

78.21%-221 bps YoY

Net Worth / Assets

15.54%+61 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.45%0.44%0.60%0.56%0.76%+31 bps
Return on Equity3.00%2.91%3.97%3.72%4.88%+188 bps
Net Interest Margin3.54%3.61%3.62%3.68%3.74%+20 bps
Efficiency Ratio80.42%80.32%76.07%78.58%78.21%-221 bps
Growth
Asset Growth (YoY)-7.07%-8.49%-3.97%-0.82%0.22%+729 bps
Loan Growth (YoY)-2.25%-1.18%-0.33%0.31%0.64%+288 bps
Share Growth (YoY)-3.88%-4.31%-2.70%-2.41%-1.70%+218 bps
Asset Quality
Delinquent Loans / Loans0.48%0.53%0.46%0.44%0.35%-13 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital14.94%15.12%15.21%15.09%15.54%+61 bps
Net Worth / Assets14.94%15.12%15.21%15.09%15.54%+61 bps
Liquidity & Funding
Loans / Shares88.46%89.55%89.35%87.12%90.56%+210 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps