Cahp
Sacramento, CA · Charter 95071 · Peer group: credit unions under $1B in assets in CA (n=62-63)
NCUA · 2 branches
Q2 2026
$406.7MAssets
$275.5MLoans
$367.7MShares
$36.2MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 82% of credit unions under $1B in assets in CA (rank 12 of 62).
- Widest gap: equity / assets trails 70% of credit unions under $1B in assets in CA (rank 44 of 63).
- Overall: at or above the peer median on 4 of 7 directional measures.
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 |