Sacramento, CA · Charter 95071
NCUA · 2 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
30
Asset Quality
82
Profitability
64
Liquidity
83
Efficiency
41
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.
Sacramento, CA · Charter 95071
NCUA · 2 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 | 1.14% | 1.05% | 0.74% | 0.85% | 0.85% | 0.84% | 0.69% | 0.74% | -11 bps | |
| Return on Equity | 12.77% | 11.64% | 8.40% | 9.65% | 9.58% | 9.55% | 7.88% | 8.27% | -137 bps | |
| Net Interest Margin | 4.16% | 4.14% | 3.91% | 3.90% | 3.87% | 3.83% | 3.66% | 3.75% | -16 bps | |
| Efficiency Ratio | 72.55% | 73.72% | 82.65% | 81.87% | 81.78% | 81.21% | 82.88% | 82.46% | +58 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.72% | 8.56% | 8.96% | 10.73% | 11.49% | 12.46% | 11.71% | 8.69% | -205 bps | |
| Loan Growth (YoY) | 2.35% | 0.06% | -2.05% | -0.14% | 1.69% | 2.08% | 0.69% | -3.28% | -314 bps | |
| Share Growth (YoY) | 6.14% | 8.32% | 9.10% | 11.00% | 11.62% | 12.79% | 11.78% | 8.61% | -239 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.15% | 0.11% | 0.08% | 0.05% | 0.07% | 0.08% | 0.07% | 0.10% | +6 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 | 8.93% | 9.01% | 8.86% | 8.81% | 8.83% | 8.85% | 8.76% | 8.89% | +9 bps | |
| Net Worth / Assets | 8.93% | 9.01% | 8.86% | 8.81% | 8.83% | 8.85% | 8.76% | 8.89% | +9 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 91.50% | 89.68% | 85.09% | 84.14% | 83.36% | 81.17% | 76.65% | 74.93% | -921 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Sacramento, CA · Charter 95071 · Peer group: credit unions under $1B in assets in CA (n=62-63)
NCUA · 2 branches
Q2 2026
Return on Assets
0.74%
Rank 26 of 63
Net Interest Margin
3.75%
Rank 24 of 63
Efficiency Ratio
82.46%
Rank 38 of 63
Equity / Assets
8.89%
Rank 44 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.74% | 0.17% | 0.56% | 1.17% | Beats 59% | 26 / 63 | ||
| Return on Equity | 8.27% | 1.81% | 4.79% | 8.64% | Beats 70% | 19 / 63 | ||
| Net Interest Margin | 3.75% | 3.18% | 3.49% | 3.98% | Beats 62% | 24 / 63 | ||
| Efficiency Ratio | 82.46% | 70.58% | 81.25% | 89.21% | Beats 41% | 38 / 63 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.10% | 0.17% | 0.42% | 0.85% | Beats 82% | 12 / 62 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 8.89% | 8.61% | 10.56% | 14.01% | Beats 30% | 44 / 63 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 8.89% | 8.61% | 10.56% | 14.01% | Beats 30% | 44 / 63 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 74.93% | 53.46% | 72.75% | 85.33% | 56th pctl | 27 / 62 | ||
| Loans / Assets | 67.75% | 46.35% | 58.08% | 72.17% | 60th pctl | 25 / 63 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||