PackageTrendsPeer
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Sesloc

San Luis Obispo, CA · Charter 68741

NCUA · 7 branches

Q2 2026

$1.3BAssets
$937.1MLoans
$1.1BShares
$118.2MNet 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 0.53%, up 18 bps year over year; NIM at 3.90%.
  • Asset quality: problem loans at 0.40% of loans (-13 bps YoY).
  • Capital: net worth / assets of 9.41%, up 2 bps from a year ago.
  • Funding: loans stand at 83.19% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.53%+18 bps YoY

Net Interest Margin (YTD, annualized)

3.90%+31 bps YoY

Efficiency Ratio (YTD, annualized)

81.07%-548 bps YoY

Net Worth / Assets

9.41%+2 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.35%0.47%0.55%0.40%0.53%+18 bps
Return on Equity3.72%4.93%5.79%4.33%5.61%+188 bps
Net Interest Margin3.58%3.66%3.66%3.85%3.90%+31 bps
Efficiency Ratio86.55%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 / Loans0.53%0.56%0.67%0.50%0.40%-13 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 Capital9.38%9.47%9.48%9.32%9.41%+2 bps
Net Worth / Assets9.38%9.47%9.48%9.32%9.41%+2 bps
Liquidity & Funding
Loans / Shares81.85%82.37%81.81%79.90%83.19%+135 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps