Travis
Vacaville, CA · Charter 68429 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 24 branches
Q2 2026
$5.9BAssets
$4.4BLoans
$4.8BShares
$611.1MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 69% of credit unions $1B-$10B in assets (rank 135 of 435).
- Widest gap: net interest margin trails 67% of credit unions $1B-$10B in assets (rank 290 of 435).
- Overall: at or above the peer median on 2 of 7 directional measures.
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 | 8-Qtr Trend | 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 |