Bakersfield, CA · Charter 68712
NCUA · 31 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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
15
Asset Quality
4
Profitability
60
Liquidity
61
Efficiency
53
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.
Bakersfield, CA · Charter 68712
NCUA · 31 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 | 0.60% | 0.68% | 0.67% | 0.57% | 0.77% | +17 bps | |
| Return on Equity | 6.37% | 7.12% | 7.26% | 6.29% | 8.26% | +189 bps | |
| Net Interest Margin | 3.51% | 3.66% | 3.64% | 3.79% | 3.74% | +22 bps | |
| Efficiency Ratio | 76.99% | 74.96% | 74.49% | 75.60% | 70.89% | -610 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.43% | 0.42% | 2.35% | 2.78% | 3.66% | +223 bps | |
| Loan Growth (YoY) | -0.94% | -1.45% | -2.24% | 0.40% | 1.00% | +194 bps | |
| Share Growth (YoY) | 5.84% | 3.03% | 3.83% | 2.01% | 3.32% | -252 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.89% | 1.86% | 2.01% | 2.09% | 1.94% | +4 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 | 9.38% | 9.59% | 9.23% | 9.05% | 9.27% | -11 bps | |
| Net Worth / Assets | 9.38% | 9.59% | 9.23% | 9.05% | 9.27% | -11 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 81.01% | 82.07% | 78.31% | 78.26% | 79.19% | -182 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Bakersfield, CA · Charter 68712 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 31 branches
Q2 2026
Return on Assets
0.77%
Rank 238 of 435
Net Interest Margin
3.74%
Rank 112 of 435
Efficiency Ratio
70.89%
Rank 204 of 435
Equity / Assets
9.27%
Rank 370 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.77% | 0.55% | 0.81% | 1.14% | Beats 45% | 238 / 435 | |
| Return on Equity | 8.26% | 5.12% | 7.41% | 9.70% | Beats 60% | 174 / 435 | |
| Net Interest Margin | 3.74% | 3.01% | 3.39% | 3.75% | Beats 74% | 112 / 435 | |
| Efficiency Ratio | 70.89% | 65.25% | 71.39% | 77.86% | Beats 53% | 204 / 435 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.94% | 0.45% | 0.69% | 1.05% | Beats 4% | 417 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.27% | 9.81% | 10.84% | 12.63% | Beats 15% | 370 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.27% | 9.81% | 10.84% | 12.63% | Beats 15% | 370 / 435 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 79.19% | 78.33% | 88.38% | 95.61% | 27th pctl | 318 / 435 | |
| Loans / Assets | 70.82% | 67.69% | 74.58% | 80.80% | 35th pctl | 281 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||