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 | |