Bakersfield, CA · Charter 9590
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 the Memphis, TN-MS-AR area (n=20). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
0
Asset Quality
40
Profitability
25
Liquidity
81
Efficiency
15
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.
Bakersfield, CA · Charter 9590
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 | 1.72% | 2.03% | 3.24% | 0.98% | -0.13% | -0.19% | 1.01% | -0.86% | -184 bps | |
| Return on Equity | 19.93% | 25.87% | 37.84% | 12.19% | -1.72% | -2.64% | 13.46% | -12.21% | -2,440 bps | |
| Net Interest Margin | 4.41% | 4.18% | 3.72% | 3.57% | 3.81% | 3.64% | 4.43% | 4.24% | +67 bps | |
| Efficiency Ratio | 67.29% | 66.41% | 99.52% | 106.81% | 106.02% | 106.78% | 96.99% | 103.67% | -315 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.21% | 6.35% | 1.51% | 10.11% | 5.50% | 3.93% | 4.06% | -1.54% | -1,166 bps | |
| Loan Growth (YoY) | -2.40% | -3.46% | -5.59% | -3.76% | -1.09% | 1.69% | 4.42% | 3.67% | +743 bps | |
| Share Growth (YoY) | -4.71% | 5.55% | 0.66% | 10.03% | 6.25% | 4.42% | 5.42% | -0.28% | -1,030 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.64% | 0.75% | 0.95% | 1.09% | 0.59% | 1.17% | 1.33% | 0.65% | -44 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 | 8.65% | 7.85% | 8.55% | 8.03% | 7.77% | 7.36% | 7.50% | 7.03% | -100 bps | |
| Net Worth / Assets | 8.65% | 7.85% | 8.55% | 8.03% | 7.77% | 7.36% | 7.50% | 7.03% | -100 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 61.88% | 56.13% | 53.31% | 53.48% | 57.60% | 54.66% | 52.80% | 55.59% | +211 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Bakersfield, CA · Charter 9590 · Peer group: credit unions under $1B in assets in the Memphis, TN-MS-AR area (n=20)
NCUA · 2 branches
Q2 2026
Return on Assets
-0.86%
Rank 19 of 20
Net Interest Margin
4.24%
Rank 6 of 20
Efficiency Ratio
103.46%
Rank 18 of 20
Equity / Assets
7.03%
Rank 20 of 20
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.86% | 0.17% | 0.80% | 1.30% | Beats 5% | 19 / 20 | ||
| Return on Equity | -12.31% | 1.70% | 5.99% | 7.93% | Beats 0% | 20 / 20 | ||
| Net Interest Margin | 4.24% | 3.56% | 3.85% | 4.24% | Beats 70% | 6 / 20 | ||
| Efficiency Ratio | 103.46% | 66.59% | 84.75% | 93.62% | Beats 15% | 18 / 20 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.65% | 0.32% | 0.63% | 1.03% | Beats 40% | 13 / 20 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 7.03% | 13.24% | 17.38% | 21.71% | Beats 0% | 20 / 20 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 7.03% | 13.24% | 17.38% | 21.71% | Beats 0% | 20 / 20 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 55.59% | 36.24% | 50.72% | 82.35% | 55th pctl | 9 / 20 | ||
| Loans / Assets | 52.34% | 30.61% | 46.06% | 66.54% | 55th pctl | 9 / 20 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||