Vacaville, CA · Charter 68429
NCUA · 24 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
39
Asset Quality
51
Profitability
41
Liquidity
74
Efficiency
69
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.
Vacaville, CA · Charter 68429
NCUA · 24 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.42% | 0.47% | 0.45% | 0.75% | 0.75% | +33 bps | |
| Return on Equity | 3.92% | 4.38% | 4.20% | 7.12% | 7.14% | +322 bps | |
| Net Interest Margin | 2.97% | 3.07% | 3.08% | 3.16% | 3.15% | +18 bps | |
| Efficiency Ratio | 72.59% | 71.34% | 72.28% | 65.75% | 66.80% | -579 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.60% | 3.97% | 4.34% | 5.19% | 8.46% | +386 bps | |
| Loan Growth (YoY) | 2.19% | 2.63% | 4.22% | 5.17% | 4.66% | +247 bps | |
| Share Growth (YoY) | 4.45% | 3.85% | 3.86% | 4.54% | 5.87% | +142 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.71% | 0.75% | 0.88% | 0.65% | 0.67% | -3 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 | 10.71% | 10.82% | 10.75% | 10.55% | 10.44% | -27 bps | |
| Net Worth / Assets | 10.71% | 10.82% | 10.75% | 10.55% | 10.44% | -27 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 93.12% | 93.89% | 94.43% | 91.64% | 92.05% | -107 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Vacaville, CA · Charter 68429 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 24 branches
Q2 2026
Return on Assets
0.75%
Rank 250 of 435
Net Interest Margin
3.15%
Rank 290 of 435
Efficiency Ratio
66.80%
Rank 135 of 435
Equity / Assets
10.44%
Rank 265 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.75% | 0.55% | 0.81% | 1.14% | Beats 43% | 250 / 435 | |
| Return on Equity | 7.14% | 5.12% | 7.41% | 9.70% | Beats 47% | 232 / 435 | |
| Net Interest Margin | 3.15% | 3.01% | 3.39% | 3.75% | Beats 33% | 290 / 435 | |
| Efficiency Ratio | 66.80% | 65.25% | 71.39% | 77.86% | Beats 69% | 135 / 435 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.67% | 0.45% | 0.69% | 1.05% | Beats 51% | 214 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.44% | 9.81% | 10.84% | 12.63% | Beats 39% | 265 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.44% | 9.81% | 10.84% | 12.63% | Beats 39% | 265 / 435 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 92.05% | 78.33% | 88.38% | 95.61% | 62nd pctl | 165 / 435 | |
| Loans / Assets | 74.87% | 67.69% | 74.58% | 80.80% | 51st pctl | 213 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||