PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Sri

Menlo Park, CA · Charter 11872

NCUA · 2 branches

Q2 2026

$236.2MAssets
$188.6MLoans
$198.0MShares
$30.1MNet 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 9 bps year over year; NIM at 2.56%.
  • Asset quality: problem loans at 0.17% of loans (-61 bps YoY).
  • Capital: net worth / assets of 12.74%, up 91 bps from a year ago.
  • Funding: loans stand at 95.24% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.86%-9 bps YoY

Net Interest Margin (YTD, annualized)

2.56%+12 bps YoY

Efficiency Ratio (YTD, annualized)

67.46%+390 bps YoY

Net Worth / Assets

12.74%+91 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.95%0.95%0.96%0.80%0.86%-9 bps
Return on Equity8.04%7.86%7.75%6.56%6.75%-129 bps
Net Interest Margin2.44%2.52%2.55%2.48%2.56%+12 bps
Efficiency Ratio63.56%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 / Loans0.77%0.34%0.34%0.29%0.17%-61 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 Capital11.82%12.03%12.35%12.21%12.74%+91 bps
Net Worth / Assets11.82%12.03%12.35%12.21%12.74%+91 bps
Liquidity & Funding
Loans / Shares94.16%91.20%92.61%94.57%95.24%+108 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps