Santa Clara, CA · Charter 13131
NCUA · 1 branch
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 CA (n=62 to 63). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
13
Asset Quality
77
Profitability
49
Liquidity
22
Efficiency
57
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.
Santa Clara, CA · Charter 13131
NCUA · 1 branch
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 | 0.57% | 0.65% | 0.68% | 0.57% | 0.56% | -1 bps | |
| Return on Equity | 6.85% | 7.70% | 7.89% | 6.69% | 6.76% | -9 bps | |
| Net Interest Margin | 3.24% | 3.36% | 3.40% | 3.51% | 3.37% | +13 bps | |
| Efficiency Ratio | 78.38% | 75.98% | 75.95% | 79.67% | 78.35% | -3 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.90% | 8.82% | 2.84% | 4.43% | 8.17% | +427 bps | |
| Loan Growth (YoY) | 10.53% | 14.06% | 4.42% | 6.78% | 10.37% | -16 bps | |
| Share Growth (YoY) | 3.84% | 6.17% | 2.17% | 4.48% | 2.15% | -169 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.52% | 0.54% | 0.54% | 0.50% | 0.17% | -36 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 | 8.26% | 8.41% | 8.63% | 8.51% | 8.29% | +3 bps | |
| Net Worth / Assets | 8.26% | 8.41% | 8.63% | 8.51% | 8.29% | +3 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 81.43% | 82.97% | 84.59% | 83.31% | 87.98% | +655 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Santa Clara, CA · Charter 13131 · Peer group: credit unions under $1B in assets in CA (n=62-63)
NCUA · 1 branch
Q2 2026
Return on Assets
0.56%
Rank 32 of 63
Net Interest Margin
3.37%
Rank 41 of 63
Efficiency Ratio
78.34%
Rank 28 of 63
Equity / Assets
8.29%
Rank 55 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.56% | 0.17% | 0.56% | 1.17% | Beats 49% | 32 / 63 | |
| Return on Equity | 6.76% | 1.81% | 4.79% | 8.64% | Beats 63% | 23 / 63 | |
| Net Interest Margin | 3.37% | 3.18% | 3.49% | 3.98% | Beats 35% | 41 / 63 | |
| Efficiency Ratio | 78.34% | 70.58% | 81.25% | 89.21% | Beats 57% | 28 / 63 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.17% | 0.17% | 0.42% | 0.85% | Beats 77% | 15 / 62 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 8.29% | 8.61% | 10.56% | 14.01% | Beats 13% | 55 / 63 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 8.29% | 8.61% | 10.56% | 14.01% | Beats 13% | 55 / 63 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 87.98% | 53.46% | 72.75% | 85.33% | 85th pctl | 9 / 62 | |
| Loans / Assets | 71.30% | 46.35% | 58.08% | 72.17% | 68th pctl | 20 / 63 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||