Mission City
Santa Clara, CA · Charter 13131 · Peer group: credit unions under $1B in assets in CA (n=62-63)
NCUA · 1 branch
Q2 2026
$171.7MAssets
$122.4MLoans
$139.1MShares
$14.2MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 77% of credit unions under $1B in assets in CA (rank 15 of 62).
- Widest gap: equity / assets trails 87% of credit unions under $1B in assets in CA (rank 55 of 63).
- Overall: at or above the peer median on 3 of 7 directional measures.
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 | 8-Qtr Trend | 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 |