PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

1st Northern California

Martinez, CA · Charter 68668

NCUA · 6 branches

Q2 2026

$829.0MAssets
$419.7MLoans
$720.1MShares
$97.9MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.55%, down 13 bps year over year; NIM at 2.70%.
  • Asset quality: problem loans at 0.03% of loans (-1 bps YoY).
  • Capital: net worth / assets of 11.81%, down 7 bps from a year ago.
  • Funding: loans stand at 58.29% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.55%-13 bps YoY

Net Interest Margin (quarter, annualized)

2.70%+7 bps YoY

Efficiency Ratio (quarter, annualized)

79.36%+519 bps YoY

Net Worth / Assets

11.81%-7 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.68%0.69%0.58%0.52%0.55%-13 bps
Return on Equity5.74%5.80%4.92%4.43%4.69%-105 bps
Net Interest Margin2.63%2.64%2.65%2.67%2.70%+7 bps
Efficiency Ratio74.17%75.01%79.10%79.63%79.36%+519 bps
Growth
Asset Growth (YoY)-5.43%-2.89%-1.77%5.47%5.10%+1,053 bps
Loan Growth (YoY)8.71%14.53%18.50%15.09%11.17%+246 bps
Share Growth (YoY)0.21%2.85%4.46%5.29%4.91%+470 bps
Asset Quality
Delinquent Loans / Loans0.04%0.06%0.05%0.03%0.03%-1 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.87%11.88%11.84%11.71%11.81%-7 bps
Net Worth / Assets11.87%11.88%11.84%11.71%11.81%-7 bps
Liquidity & Funding
Loans / Shares55.00%56.86%56.91%56.18%58.29%+328 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps