PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Families and Schools Together

Hanford, CA · Charter 9109

NCUA · 3 branches

Q2 2026

$329.6MAssets
$242.6MLoans
$260.3MShares
$66.0MNet 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 2.52%, down 42 bps year over year; NIM at 4.50%.
  • Asset quality: problem loans at 0.37% of loans (+19 bps YoY).
  • Capital: net worth / assets of 20.04%, up 88 bps from a year ago.
  • Funding: loans stand at 93.22% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.52%-42 bps YoY

Net Interest Margin (YTD, annualized)

4.50%-6 bps YoY

Efficiency Ratio (YTD, annualized)

52.43%+659 bps YoY

Net Worth / Assets

20.04%+88 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.94%2.87%2.77%2.48%2.52%-42 bps
Return on Equity15.35%14.84%14.10%12.69%12.56%-279 bps
Net Interest Margin4.55%4.50%4.49%4.50%4.50%-6 bps
Efficiency Ratio45.84%46.35%48.24%51.96%52.43%+659 bps
Growth
Asset Growth (YoY)1.71%4.70%8.47%9.63%9.25%+754 bps
Loan Growth (YoY)5.28%10.46%11.35%5.37%4.75%-53 bps
Share Growth (YoY)1.75%4.68%3.88%5.19%4.82%+306 bps
Asset Quality
Delinquent Loans / Loans0.18%0.39%0.45%0.21%0.37%+19 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 Capital19.16%19.37%19.62%19.55%20.04%+88 bps
Net Worth / Assets19.16%19.37%19.62%19.55%20.04%+88 bps
Liquidity & Funding
Loans / Shares93.28%94.58%97.19%92.68%93.22%-6 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps