San Luis Obispo, CA · Charter 68741
NCUA · 7 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
18
Asset Quality
79
Profitability
45
Liquidity
78
Efficiency
14
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.
San Luis Obispo, CA · Charter 68741
NCUA · 7 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 | 0.35% | 0.47% | 0.55% | 0.40% | 0.53% | +18 bps | |
| Return on Equity | 3.72% | 4.93% | 5.79% | 4.33% | 5.61% | +188 bps | |
| Net Interest Margin | 3.58% | 3.66% | 3.66% | 3.85% | 3.90% | +31 bps | |
| Efficiency Ratio | 86.55% | 83.80% | 81.72% | 82.81% | 81.07% | -548 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.60% | 5.37% | 6.43% | 7.14% | 6.36% | +276 bps | |
| Loan Growth (YoY) | 1.77% | 3.87% | 4.88% | 5.38% | 8.10% | +633 bps | |
| Share Growth (YoY) | 5.77% | 5.13% | 6.25% | 7.34% | 6.35% | +58 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.53% | 0.56% | 0.67% | 0.50% | 0.40% | -13 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% | 9.47% | 9.48% | 9.32% | 9.41% | +2 bps | |
| Net Worth / Assets | 9.38% | 9.47% | 9.48% | 9.32% | 9.41% | +2 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 81.85% | 82.37% | 81.81% | 79.90% | 83.19% | +135 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
San Luis Obispo, CA · Charter 68741 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 7 branches
Q2 2026
Return on Assets
0.53%
Rank 336 of 435
Net Interest Margin
3.90%
Rank 77 of 435
Efficiency Ratio
81.07%
Rank 373 of 435
Equity / Assets
9.41%
Rank 358 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.53% | 0.55% | 0.81% | 1.14% | Beats 23% | 336 / 435 | |
| Return on Equity | 5.60% | 5.12% | 7.41% | 9.70% | Beats 31% | 299 / 435 | |
| Net Interest Margin | 3.90% | 3.01% | 3.39% | 3.75% | Beats 82% | 77 / 435 | |
| Efficiency Ratio | 81.07% | 65.25% | 71.39% | 77.86% | Beats 14% | 373 / 435 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.40% | 0.45% | 0.69% | 1.05% | Beats 79% | 91 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.41% | 9.81% | 10.84% | 12.63% | Beats 18% | 358 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.41% | 9.81% | 10.84% | 12.63% | Beats 18% | 358 / 435 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 83.19% | 78.33% | 88.38% | 95.61% | 35th pctl | 281 / 435 | |
| Loans / Assets | 74.58% | 67.69% | 74.58% | 80.80% | 50th pctl | 218 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||