Martinez, CA · Charter 68668
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 the San Francisco-Oakland-Fremont, CA area (n=22). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
41
Asset Quality
77
Profitability
44
Liquidity
86
Efficiency
55
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.
Martinez, CA · Charter 68668
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 | 0.46% | 0.50% | 0.63% | 0.68% | 0.69% | 0.58% | 0.52% | 0.55% | -13 bps | |
| Return on Equity | 4.27% | 4.55% | 5.35% | 5.74% | 5.80% | 4.92% | 4.43% | 4.69% | -105 bps | |
| Net Interest Margin | 2.25% | 2.31% | 2.60% | 2.63% | 2.64% | 2.65% | 2.67% | 2.70% | +7 bps | |
| Efficiency Ratio | 81.35% | 80.33% | 75.34% | 74.17% | 75.01% | 79.10% | 79.63% | 79.36% | +519 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.06% | 2.93% | -6.53% | -5.43% | -2.89% | -1.77% | 5.47% | 5.10% | +1,053 bps | |
| Loan Growth (YoY) | 0.32% | -3.63% | 0.62% | 8.71% | 14.53% | 18.50% | 15.09% | 11.17% | +246 bps | |
| Share Growth (YoY) | -7.61% | -4.28% | -1.06% | 0.21% | 2.85% | 4.46% | 5.29% | 4.91% | +470 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.08% | 0.03% | 0.02% | 0.04% | 0.06% | 0.05% | 0.03% | 0.03% | -1 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 | 10.89% | 11.06% | 11.78% | 11.87% | 11.88% | 11.84% | 11.71% | 11.81% | -7 bps | |
| Net Worth / Assets | 10.89% | 11.06% | 11.78% | 11.87% | 11.88% | 11.84% | 11.71% | 11.81% | -7 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 51.06% | 50.17% | 51.40% | 55.00% | 56.86% | 56.91% | 56.18% | 58.29% | +328 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Martinez, CA · Charter 68668 · Peer group: credit unions under $1B in assets in the San Francisco-Oakland-Fremont, CA area (n=22)
NCUA · 6 branches
Q2 2026
Return on Assets
0.55%
Rank 11 of 22
Net Interest Margin
2.70%
Rank 16 of 22
Efficiency Ratio
79.36%
Rank 11 of 22
Equity / Assets
11.81%
Rank 13 of 22
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.55% | -0.03% | 0.55% | 0.99% | Beats 50% | 11 / 22 | ||
| Return on Equity | 4.69% | -0.26% | 3.68% | 6.84% | Beats 55% | 10 / 22 | ||
| Net Interest Margin | 2.70% | 2.64% | 3.38% | 3.88% | Beats 27% | 16 / 22 | ||
| Efficiency Ratio | 79.36% | 71.26% | 81.14% | 99.76% | Beats 55% | 11 / 22 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.03% | 0.03% | 0.56% | 1.15% | Beats 77% | 6 / 22 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.81% | 10.74% | 12.65% | 15.23% | Beats 41% | 13 / 22 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.81% | 10.74% | 12.65% | 15.23% | Beats 41% | 13 / 22 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 58.29% | 45.93% | 53.20% | 62.68% | 68th pctl | 7 / 22 | ||
| Loans / Assets | 50.63% | 34.22% | 45.72% | 53.73% | 68th pctl | 7 / 22 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||