Martinez, CA · Charter 68668
NCUA · 6 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |