Menlo Park, CA · Charter 11872
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 | 0.69% | 0.70% | 1.05% | 0.95% | 0.95% | 0.96% | 0.80% | 0.86% | -9 bps | |
| Return on Equity | 5.75% | 5.89% | 9.09% | 8.04% | 7.86% | 7.75% | 6.56% | 6.75% | -129 bps | |
| Net Interest Margin | 2.41% | 2.39% | 2.36% | 2.44% | 2.52% | 2.55% | 2.48% | 2.56% | +12 bps | |
| Efficiency Ratio | 72.23% | 71.33% | 60.42% | 63.56% | 63.78% | 63.76% | 67.38% | 67.46% | +390 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.06% | 5.33% | 9.82% | 8.29% | 6.35% | 3.78% | 1.68% | -0.55% | -884 bps | |
| Loan Growth (YoY) | 16.98% | 11.65% | 9.27% | 10.52% | 2.46% | 3.32% | 7.41% | 1.26% | -927 bps | |
| Share Growth (YoY) | 5.65% | 5.82% | 9.88% | 8.76% | 5.29% | 3.16% | 1.50% | 0.10% | -866 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.17% | 0.17% | 0.17% | 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 | 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 | 11.91% | 11.90% | 11.58% | 11.82% | 12.03% | 12.35% | 12.21% | 12.74% | +91 bps | |
| Net Worth / Assets | 11.91% | 11.90% | 11.58% | 11.82% | 12.03% | 12.35% | 12.21% | 12.74% | +91 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 93.72% | 92.47% | 89.36% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |