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 | |