Angwin, CA · Charter 68491
NCUA · 3 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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
38
Asset Quality
29
Profitability
27
Liquidity
11
Efficiency
7
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.
Angwin, CA · Charter 68491
NCUA · 3 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 | 0.94% | 0.79% | 0.78% | 0.87% | 0.74% | 0.60% | -0.35% | -0.11% | -98 bps | |
| Return on Equity | 9.95% | 8.45% | 8.08% | 8.44% | 6.92% | 5.36% | -3.02% | -0.92% | -936 bps | |
| Net Interest Margin | 3.80% | 3.76% | 3.83% | 4.04% | 4.05% | 4.21% | 3.96% | 4.01% | -3 bps | |
| Efficiency Ratio | 76.77% | 80.40% | 81.51% | 80.48% | 83.07% | 86.52% | 107.65% | 100.65% | +2,017 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.78% | 1.44% | 3.76% | -1.59% | -5.36% | -12.72% | -14.28% | -11.53% | -994 bps | |
| Loan Growth (YoY) | 7.98% | 3.43% | 3.51% | 4.06% | 0.30% | 1.58% | 0.85% | -2.88% | -694 bps | |
| Share Growth (YoY) | -1.88% | 0.79% | 3.39% | -2.62% | -6.61% | -14.53% | -16.55% | -13.33% | -1,071 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.01% | 0.06% | 0.10% | 0.08% | 0.10% | 1.18% | 1.18% | 1.12% | +104 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 | 9.47% | 9.33% | 9.62% | 10.31% | 10.65% | 11.28% | 11.52% | 11.72% | +142 bps | |
| Net Worth / Assets | 9.47% | 9.33% | 9.62% | 10.31% | 10.65% | 11.28% | 11.52% | 11.72% | +142 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 74.73% | 72.88% | 73.86% | 80.06% | 80.26% | 86.62% | 89.26% | 89.72% | +966 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Angwin, CA · Charter 68491 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
-0.11%
Rank 1,513 of 1,683
Net Interest Margin
4.01%
Rank 662 of 1,683
Efficiency Ratio
100.67%
Rank 1,566 of 1,682
Equity / Assets
11.72%
Rank 1,040 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.11% | 0.35% | 0.74% | 1.18% | Beats 10% | 1,513 / 1,683 | ||
| Return on Equity | -0.93% | 2.67% | 5.89% | 8.74% | Beats 10% | 1,520 / 1,681 | ||
| Net Interest Margin | 4.01% | 3.31% | 3.82% | 4.32% | Beats 61% | 662 / 1,683 | ||
| Efficiency Ratio | 100.67% | 68.91% | 78.20% | 86.93% | Beats 7% | 1,566 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.12% | 0.26% | 0.65% | 1.29% | Beats 29% | 1,192 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.72% | 10.44% | 12.89% | 16.53% | Beats 38% | 1,040 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.72% | 10.44% | 12.89% | 16.53% | Beats 38% | 1,040 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 89.72% | 52.61% | 69.38% | 83.50% | 86th pctl | 240 / 1,683 | ||
| Loans / Assets | 78.47% | 44.71% | 59.18% | 70.72% | 89th pctl | 182 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||