PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Cahp

Sacramento, CA · Charter 95071

NCUA · 2 branches

Q2 2026

$406.7MAssets
$275.5MLoans
$367.7MShares
$36.2MNet 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 0.74%, down 11 bps year over year; NIM at 3.75%.
  • Asset quality: problem loans at 0.10% of loans (+6 bps YoY).
  • Capital: net worth / assets of 8.89%, up 9 bps from a year ago.
  • Funding: loans stand at 74.93% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.74%-11 bps YoY

Net Interest Margin (YTD, annualized)

3.75%-16 bps YoY

Efficiency Ratio (YTD, annualized)

82.46%+58 bps YoY

Net Worth / Assets

8.89%+9 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.85%0.85%0.84%0.69%0.74%-11 bps
Return on Equity9.65%9.58%9.55%7.88%8.27%-137 bps
Net Interest Margin3.90%3.87%3.83%3.66%3.75%-16 bps
Efficiency Ratio81.87%81.78%81.21%82.88%82.46%+58 bps
Growth
Asset Growth (YoY)10.73%11.49%12.46%11.71%8.69%-205 bps
Loan Growth (YoY)-0.14%1.69%2.08%0.69%-3.28%-314 bps
Share Growth (YoY)11.00%11.62%12.79%11.78%8.61%-239 bps
Asset Quality
Delinquent Loans / Loans0.05%0.07%0.08%0.07%0.10%+6 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 Capital8.81%8.83%8.85%8.76%8.89%+9 bps
Net Worth / Assets8.81%8.83%8.85%8.76%8.89%+9 bps
Liquidity & Funding
Loans / Shares84.14%83.36%81.17%76.65%74.93%-921 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps