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 | |