Merced, CA · Charter 9119
NCUA · 8 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
56
Asset Quality
47
Profitability
64
Liquidity
0
Efficiency
87
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.
Merced, CA · Charter 9119
NCUA · 8 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 | 1.11% | 1.13% | 1.17% | 1.39% | 1.37% | +26 bps | |
| Return on Equity | 9.92% | 9.95% | 10.12% | 12.11% | 11.62% | +170 bps | |
| Net Interest Margin | 2.96% | 3.01% | 3.04% | 3.12% | 3.22% | +25 bps | |
| Efficiency Ratio | 64.52% | 64.01% | 63.46% | 65.89% | 63.89% | -64 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.38% | 8.77% | 9.45% | 8.59% | 6.86% | -153 bps | |
| Loan Growth (YoY) | 0.05% | -0.85% | -0.59% | -1.74% | -2.36% | -241 bps | |
| Share Growth (YoY) | 6.82% | 7.66% | 7.75% | 7.68% | 6.52% | -30 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.75% | 0.62% | 0.72% | 0.44% | 0.44% | -31 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 | 11.19% | 11.32% | 11.59% | 11.44% | 11.76% | +57 bps | |
| Net Worth / Assets | 11.19% | 11.32% | 11.59% | 11.44% | 11.76% | +57 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 41.91% | 41.33% | 41.03% | 38.35% | 38.42% | -349 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Merced, CA · Charter 9119 · Peer group: credit unions under $1B in assets in CA (n=62-63)
NCUA · 8 branches
Q2 2026
Return on Assets
1.37%
Rank 12 of 63
Net Interest Margin
3.22%
Rank 47 of 63
Efficiency Ratio
63.88%
Rank 9 of 63
Equity / Assets
11.76%
Rank 28 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.37% | 0.17% | 0.56% | 1.17% | Beats 81% | 12 / 63 | |
| Return on Equity | 11.62% | 1.81% | 4.79% | 8.64% | Beats 87% | 8 / 63 | |
| Net Interest Margin | 3.22% | 3.18% | 3.49% | 3.98% | Beats 25% | 47 / 63 | |
| Efficiency Ratio | 63.88% | 70.58% | 81.25% | 89.21% | Beats 87% | 9 / 63 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.44% | 0.17% | 0.42% | 0.85% | Beats 47% | 34 / 62 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 11.76% | 8.61% | 10.56% | 14.01% | Beats 56% | 28 / 63 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 11.76% | 8.61% | 10.56% | 14.01% | Beats 56% | 28 / 63 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 38.42% | 53.46% | 72.75% | 85.33% | 0th pctl | 62 / 62 | |
| Loans / Assets | 34.05% | 46.35% | 58.08% | 72.17% | 5th pctl | 60 / 63 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||