Menlo Park, CA · Charter 11872
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 San Francisco-Oakland-Fremont, CA area (n=22). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
59
Asset Quality
64
Profitability
51
Liquidity
0
Efficiency
86
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.
Menlo Park, CA · Charter 11872
NCUA · 2 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.95% | 0.95% | 0.96% | 0.80% | 0.86% | -9 bps | |
| Return on Equity | 8.04% | 7.86% | 7.75% | 6.56% | 6.75% | -129 bps | |
| Net Interest Margin | 2.44% | 2.52% | 2.55% | 2.48% | 2.56% | +12 bps | |
| Efficiency Ratio | 63.56% | 63.78% | 63.76% | 67.38% | 67.46% | +390 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.29% | 6.35% | 3.78% | 1.68% | -0.55% | -884 bps | |
| Loan Growth (YoY) | 10.52% | 2.46% | 3.32% | 7.41% | 1.26% | -927 bps | |
| Share Growth (YoY) | 8.76% | 5.29% | 3.16% | 1.50% | 0.10% | -866 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.77% | 0.34% | 0.34% | 0.29% | 0.17% | -61 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.82% | 12.03% | 12.35% | 12.21% | 12.74% | +91 bps | |
| Net Worth / Assets | 11.82% | 12.03% | 12.35% | 12.21% | 12.74% | +91 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 94.16% | 91.20% | 92.61% | 94.57% | 95.24% | +108 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Menlo Park, CA · Charter 11872 · Peer group: credit unions under $1B in assets in the San Francisco-Oakland-Fremont, CA area (n=22)
NCUA · 2 branches
Q2 2026
Return on Assets
0.86%
Rank 7 of 22
Net Interest Margin
2.56%
Rank 18 of 22
Efficiency Ratio
67.45%
Rank 4 of 22
Equity / Assets
12.74%
Rank 9 of 22
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.86% | -0.03% | 0.55% | 0.99% | Beats 68% | 7 / 22 | |
| Return on Equity | 6.76% | -0.26% | 3.68% | 6.84% | Beats 68% | 7 / 22 | |
| Net Interest Margin | 2.56% | 2.64% | 3.38% | 3.88% | Beats 18% | 18 / 22 | |
| Efficiency Ratio | 67.45% | 71.26% | 81.14% | 99.76% | Beats 86% | 4 / 22 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.17% | 0.03% | 0.56% | 1.15% | Beats 64% | 9 / 22 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 12.74% | 10.74% | 12.65% | 15.23% | Beats 59% | 9 / 22 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 12.74% | 10.74% | 12.65% | 15.23% | Beats 59% | 9 / 22 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 95.24% | 45.93% | 53.20% | 62.68% | 95th pctl | 1 / 22 | |
| Loans / Assets | 79.85% | 34.22% | 45.72% | 53.73% | 91st pctl | 2 / 22 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||