Santa Clara, CA · Charter 13131
NCUA · 1 branch
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 | 0.16% | 0.02% | 0.78% | 0.57% | 0.65% | 0.68% | 0.57% | 0.56% | -1 bps | |
| Return on Equity | 1.83% | 0.28% | 9.44% | 6.85% | 7.70% | 7.89% | 6.69% | 6.76% | -9 bps | |
| Net Interest Margin | 2.77% | 2.74% | 3.28% | 3.24% | 3.36% | 3.40% | 3.51% | 3.37% | +13 bps | |
| Efficiency Ratio | 87.50% | 90.81% | 75.81% | 78.38% | 75.98% | 75.95% | 79.67% | 78.35% | -3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.60% | -1.85% | 2.69% | 3.90% | 8.82% | 2.84% | 4.43% | 8.17% | +427 bps | |
| Loan Growth (YoY) | 0.16% | 10.82% | 10.05% | 10.53% | 14.06% | 4.42% | 6.78% | 10.37% | -16 bps | |
| Share Growth (YoY) | -5.76% | -6.04% | -1.25% | 3.84% | 6.17% | 2.17% | 4.48% | 2.15% | -169 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.58% | 0.18% | 0.46% | 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 | 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 | 8.72% | 8.18% | 8.24% | 8.26% | 8.41% | 8.63% | 8.51% | 8.29% | +3 bps | |
| Net Worth / Assets | 8.72% | 8.18% | 8.24% | 8.26% | 8.41% | 8.63% | 8.51% | 8.29% | +3 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.23% | 82.77% | 81.52% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |