PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Mission City

Santa Clara, CA · Charter 13131

NCUA · 1 branch

Q2 2026

$171.7MAssets
$122.4MLoans
$139.1MShares
$14.2MNet 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 0.56%, down 1 bps year over year; NIM at 3.37%.
  • Asset quality: problem loans at 0.17% of loans (-36 bps YoY).
  • Capital: net worth / assets of 8.29%, up 3 bps from a year ago.
  • Funding: loans stand at 87.98% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.56%-1 bps YoY

Net Interest Margin (quarter, annualized)

3.37%+13 bps YoY

Efficiency Ratio (quarter, annualized)

78.35%-3 bps YoY

Net Worth / Assets

8.29%+3 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.57%0.65%0.68%0.57%0.56%-1 bps
Return on Equity6.85%7.70%7.89%6.69%6.76%-9 bps
Net Interest Margin3.24%3.36%3.40%3.51%3.37%+13 bps
Efficiency Ratio78.38%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 / Loans0.52%0.54%0.54%0.50%0.17%-36 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 Capital8.26%8.41%8.63%8.51%8.29%+3 bps
Net Worth / Assets8.26%8.41%8.63%8.51%8.29%+3 bps
Liquidity & Funding
Loans / Shares81.43%82.97%84.59%83.31%87.98%+655 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps