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Espeeco

Bakersfield, CA · Charter 9590

NCUA · 2 branches

Q2 2026

$12.0MAssets
$6.3MLoans
$11.3MShares
$845KNet 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 -0.86%, down 184 bps year over year; NIM at 4.24%.
  • Asset quality: problem loans at 0.65% of loans (-44 bps YoY).
  • Capital: net worth / assets of 7.03%, down 100 bps from a year ago.
  • Funding: loans stand at 55.59% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

-0.86%-184 bps YoY

Net Interest Margin (quarter, annualized)

4.24%+67 bps YoY

Efficiency Ratio (quarter, annualized)

103.67%-315 bps YoY

Net Worth / Assets

7.03%-100 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.98%-0.13%-0.19%1.01%-0.86%-184 bps
Return on Equity12.19%-1.72%-2.64%13.46%-12.21%-2,440 bps
Net Interest Margin3.57%3.81%3.64%4.43%4.24%+67 bps
Efficiency Ratio106.81%106.02%106.78%96.99%103.67%-315 bps
Growth
Asset Growth (YoY)10.11%5.50%3.93%4.06%-1.54%-1,166 bps
Loan Growth (YoY)-3.76%-1.09%1.69%4.42%3.67%+743 bps
Share Growth (YoY)10.03%6.25%4.42%5.42%-0.28%-1,030 bps
Asset Quality
Delinquent Loans / Loans1.09%0.59%1.17%1.33%0.65%-44 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 Capital8.03%7.77%7.36%7.50%7.03%-100 bps
Net Worth / Assets8.03%7.77%7.36%7.50%7.03%-100 bps
Liquidity & Funding
Loans / Shares53.48%57.60%54.66%52.80%55.59%+211 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps