Sacramento, CA · Charter 68474
NCUA · 6 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 under $1B in assets in CA (n=62 to 63). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
57
Asset Quality
24
Profitability
28
Liquidity
85
Efficiency
37
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.
Sacramento, CA · Charter 68474
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 | 0.19% | 0.14% | 0.80% | 0.60% | 0.61% | 0.48% | -0.27% | 0.32% | -28 bps | |
| Return on Equity | 1.65% | 1.20% | 6.95% | 5.09% | 5.12% | 4.04% | -2.28% | 2.69% | -239 bps | |
| Net Interest Margin | 2.51% | 2.59% | 2.72% | 2.82% | 2.88% | 2.90% | 3.05% | 3.12% | +29 bps | |
| Efficiency Ratio | 85.56% | 84.51% | 82.46% | 82.67% | 81.47% | 82.01% | 84.61% | 84.71% | +204 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.84% | 0.34% | 1.46% | 0.36% | 0.08% | 2.02% | 0.30% | 0.78% | +42 bps | |
| Loan Growth (YoY) | 3.00% | 2.57% | 2.27% | 0.69% | -1.60% | -1.06% | -0.85% | 2.27% | +158 bps | |
| Share Growth (YoY) | 0.67% | -0.29% | 1.02% | -0.75% | -0.69% | 1.34% | -0.31% | 0.30% | +105 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.24% | 0.14% | 0.25% | 0.26% | 0.30% | 0.60% | 0.71% | 0.92% | +66 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 | 11.56% | 11.69% | 11.58% | 11.78% | 11.92% | 11.86% | 11.67% | 11.95% | +17 bps | |
| Net Worth / Assets | 11.56% | 11.69% | 11.58% | 11.78% | 11.92% | 11.86% | 11.67% | 11.95% | +17 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.67% | 74.30% | 72.09% | 73.09% | 72.01% | 72.54% | 71.70% | 74.53% | +144 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Sacramento, CA · Charter 68474 · Peer group: credit unions under $1B in assets in CA (n=62-63)
NCUA · 6 branches
Q2 2026
Return on Assets
0.32%
Rank 41 of 63
Net Interest Margin
3.12%
Rank 50 of 63
Efficiency Ratio
84.72%
Rank 41 of 63
Equity / Assets
11.95%
Rank 27 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.32% | 0.17% | 0.56% | 1.17% | Beats 35% | 41 / 63 | ||
| Return on Equity | 2.69% | 1.81% | 4.79% | 8.64% | Beats 27% | 46 / 63 | ||
| Net Interest Margin | 3.12% | 3.18% | 3.49% | 3.98% | Beats 21% | 50 / 63 | ||
| Efficiency Ratio | 84.72% | 70.58% | 81.25% | 89.21% | Beats 37% | 41 / 63 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.92% | 0.17% | 0.42% | 0.85% | Beats 24% | 48 / 62 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.95% | 8.61% | 10.56% | 14.01% | Beats 57% | 27 / 63 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.95% | 8.61% | 10.56% | 14.01% | Beats 57% | 27 / 63 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 74.53% | 53.46% | 72.75% | 85.33% | 55th pctl | 28 / 62 | ||
| Loans / Assets | 65.54% | 46.35% | 58.08% | 72.17% | 59th pctl | 26 / 63 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||