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 | |