Angwin, CA · Charter 68491
NCUA · 3 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.87% | 0.74% | 0.60% | -0.35% | -0.11% | -98 bps | |
| Return on Equity | 8.44% | 6.92% | 5.36% | -3.02% | -0.92% | -936 bps | |
| Net Interest Margin | 4.04% | 4.05% | 4.21% | 3.96% | 4.01% | -3 bps | |
| Efficiency Ratio | 80.48% | 83.07% | 86.52% | 107.65% | 100.65% | +2,017 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.59% | -5.36% | -12.72% | -14.28% | -11.53% | -994 bps | |
| Loan Growth (YoY) | 4.06% | 0.30% | 1.58% | 0.85% | -2.88% | -694 bps | |
| Share Growth (YoY) | -2.62% | -6.61% | -14.53% | -16.55% | -13.33% | -1,071 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.31% | 10.65% | 11.28% | 11.52% | 11.72% | +142 bps | |
| Net Worth / Assets | 10.31% | 10.65% | 11.28% | 11.52% | 11.72% | +142 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |