Hanford, CA · Charter 9109
NCUA · 3 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 under $1B in assets in CA (n=62 to 63). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
92
Asset Quality
55
Profitability
90
Liquidity
0
Efficiency
97
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.
Hanford, CA · Charter 9109
NCUA · 3 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 | 2.76% | 2.78% | 2.89% | 2.94% | 2.87% | 2.77% | 2.48% | 2.52% | -42 bps | |
| Return on Equity | 15.85% | 15.16% | 15.49% | 15.35% | 14.84% | 14.10% | 12.69% | 12.56% | -279 bps | |
| Net Interest Margin | 4.34% | 4.46% | 4.50% | 4.55% | 4.50% | 4.49% | 4.50% | 4.50% | -6 bps | |
| Efficiency Ratio | 46.35% | 47.63% | 46.26% | 45.84% | 46.35% | 48.24% | 51.96% | 52.43% | +659 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.81% | -0.17% | 0.74% | 1.71% | 4.70% | 8.47% | 9.63% | 9.25% | +754 bps | |
| Loan Growth (YoY) | -0.86% | 1.00% | 5.27% | 5.28% | 10.46% | 11.35% | 5.37% | 4.75% | -53 bps | |
| Share Growth (YoY) | 1.89% | 0.80% | 1.24% | 1.75% | 4.68% | 3.88% | 5.19% | 4.82% | +306 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.25% | 0.23% | 0.26% | 0.18% | 0.39% | 0.45% | 0.21% | 0.37% | +19 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 | 17.43% | 18.36% | 18.63% | 19.16% | 19.37% | 19.62% | 19.55% | 20.04% | +88 bps | |
| Net Worth / Assets | 17.43% | 18.36% | 18.63% | 19.16% | 19.37% | 19.62% | 19.55% | 20.04% | +88 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 89.63% | 90.66% | 92.53% | 93.28% | 94.58% | 97.19% | 92.68% | 93.22% | -6 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Hanford, CA · Charter 9109 · Peer group: credit unions under $1B in assets in CA (n=62-63)
NCUA · 3 branches
Q2 2026
Return on Assets
2.52%
Rank 3 of 63
Net Interest Margin
4.50%
Rank 9 of 63
Efficiency Ratio
52.43%
Rank 3 of 63
Equity / Assets
20.04%
Rank 5 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.52% | 0.17% | 0.56% | 1.17% | Beats 95% | 3 / 63 | ||
| Return on Equity | 12.56% | 1.81% | 4.79% | 8.64% | Beats 90% | 6 / 63 | ||
| Net Interest Margin | 4.50% | 3.18% | 3.49% | 3.98% | Beats 86% | 9 / 63 | ||
| Efficiency Ratio | 52.43% | 70.58% | 81.25% | 89.21% | Beats 97% | 3 / 63 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.37% | 0.17% | 0.42% | 0.85% | Beats 55% | 29 / 62 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 20.04% | 8.61% | 10.56% | 14.01% | Beats 92% | 5 / 63 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 20.04% | 8.61% | 10.56% | 14.01% | Beats 92% | 5 / 63 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 93.22% | 53.46% | 72.75% | 85.33% | 90th pctl | 6 / 62 | ||
| Loans / Assets | 73.62% | 46.35% | 58.08% | 72.17% | 78th pctl | 14 / 63 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||