Vacaville, CA · Charter 68429
NCUA · 24 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 | 0.44% | 0.39% | 0.29% | 0.42% | 0.47% | 0.45% | 0.75% | 0.75% | +33 bps | |
| Return on Equity | 4.05% | 3.65% | 2.76% | 3.92% | 4.38% | 4.20% | 7.12% | 7.14% | +322 bps | |
| Net Interest Margin | 2.76% | 2.77% | 2.84% | 2.97% | 3.07% | 3.08% | 3.16% | 3.15% | +18 bps | |
| Efficiency Ratio | 73.19% | 73.65% | 76.60% | 72.59% | 71.34% | 72.28% | 65.75% | 66.80% | -579 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.12% | 6.47% | 5.27% | 4.60% | 3.97% | 4.34% | 5.19% | 8.46% | +386 bps | |
| Loan Growth (YoY) | 3.46% | 1.98% | 1.44% | 2.19% | 2.63% | 4.22% | 5.17% | 4.66% | +247 bps | |
| Share Growth (YoY) | 4.52% | 7.13% | 5.56% | 4.45% | 3.85% | 3.86% | 4.54% | 5.87% | +142 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.75% | 0.81% | 0.57% | 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 | 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 | 10.85% | 10.78% | 10.55% | 10.71% | 10.82% | 10.75% | 10.55% | 10.44% | -27 bps | |
| Net Worth / Assets | 10.85% | 10.78% | 10.55% | 10.71% | 10.82% | 10.75% | 10.55% | 10.44% | -27 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 95.01% | 94.10% | 91.09% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |