Bakersfield, CA · Charter 68712
NCUA · 31 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 | 0.87% | 0.77% | 0.55% | 0.60% | 0.68% | 0.67% | 0.57% | 0.77% | +17 bps | |
| Return on Equity | 9.31% | 8.47% | 5.96% | 6.37% | 7.12% | 7.26% | 6.29% | 8.26% | +189 bps | |
| Net Interest Margin | 3.51% | 3.48% | 3.34% | 3.51% | 3.66% | 3.64% | 3.79% | 3.74% | +22 bps | |
| Efficiency Ratio | 68.66% | 70.29% | 78.09% | 76.99% | 74.96% | 74.49% | 75.60% | 70.89% | -610 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.70% | -2.77% | 3.10% | 1.43% | 0.42% | 2.35% | 2.78% | 3.66% | +223 bps | |
| Loan Growth (YoY) | -11.72% | -7.60% | -0.06% | -0.94% | -1.45% | -2.24% | 0.40% | 1.00% | +194 bps | |
| Share Growth (YoY) | -1.33% | 2.47% | 6.77% | 5.84% | 3.03% | 3.83% | 2.01% | 3.32% | -252 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.46% | 1.89% | 1.62% | 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 | 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 | 9.39% | 9.14% | 9.17% | 9.38% | 9.59% | 9.23% | 9.05% | 9.27% | -11 bps | |
| Net Worth / Assets | 9.39% | 9.14% | 9.17% | 9.38% | 9.59% | 9.23% | 9.05% | 9.27% | -11 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.80% | 83.18% | 79.52% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |