Bakersfield, CA · Charter 9590
NCUA · 2 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |