Fresno, CA · Charter 97096
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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
92
Asset Quality
89
Profitability
27
Liquidity
0
Efficiency
46
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.
Fresno, CA · Charter 97096
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 | 0.42% | 0.43% | 0.71% | 0.77% | 0.76% | 0.76% | 0.69% | 0.62% | -14 bps | |
| Return on Equity | 1.87% | 1.95% | 3.32% | 3.44% | 3.26% | 3.24% | 3.02% | 2.68% | -77 bps | |
| Net Interest Margin | 2.44% | 2.43% | 2.76% | 2.87% | 3.02% | 3.01% | 3.00% | 3.06% | +19 bps | |
| Efficiency Ratio | 85.80% | 86.46% | 77.68% | 77.05% | 78.16% | 76.89% | 79.33% | 79.55% | +251 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.40% | -0.21% | 4.06% | 3.89% | -1.03% | -2.76% | -3.40% | -1.56% | -544 bps | |
| Loan Growth (YoY) | -10.83% | -14.35% | -12.61% | -13.22% | -15.95% | -8.11% | -4.79% | 4.24% | +1,745 bps | |
| Share Growth (YoY) | -7.67% | -0.42% | 4.28% | 4.42% | -2.23% | -4.70% | -5.70% | -5.68% | -1,010 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.06% | 0.06% | +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 | 22.42% | 21.95% | 21.43% | 22.28% | 23.35% | 23.33% | 22.91% | 23.30% | +102 bps | |
| Net Worth / Assets | 22.42% | 21.95% | 21.43% | 22.28% | 23.35% | 23.33% | 22.91% | 23.30% | +102 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 33.07% | 30.73% | 28.50% | 28.59% | 28.44% | 29.63% | 28.78% | 31.59% | +301 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Fresno, CA · Charter 97096 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
0.62%
Rank 985 of 1,683
Net Interest Margin
3.06%
Rank 1,418 of 1,683
Efficiency Ratio
79.55%
Rank 912 of 1,682
Equity / Assets
23.29%
Rank 135 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.62% | 0.35% | 0.74% | 1.18% | Beats 41% | 985 / 1,683 | ||
| Return on Equity | 2.67% | 2.67% | 5.89% | 8.74% | Beats 25% | 1,261 / 1,681 | ||
| Net Interest Margin | 3.06% | 3.31% | 3.82% | 4.32% | Beats 16% | 1,418 / 1,683 | ||
| Efficiency Ratio | 79.55% | 68.91% | 78.20% | 86.93% | Beats 46% | 912 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.06% | 0.26% | 0.65% | 1.29% | Beats 89% | 194 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 23.29% | 10.44% | 12.89% | 16.53% | Beats 92% | 135 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 23.29% | 10.44% | 12.89% | 16.53% | Beats 92% | 135 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 31.59% | 52.61% | 69.38% | 83.50% | 6th pctl | 1,587 / 1,683 | ||
| Loans / Assets | 23.31% | 44.71% | 59.18% | 70.72% | 4th pctl | 1,611 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||