Palo Alto, CA · Charter 13392
NCUA · 6 branches
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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
57
Asset Quality
95
Profitability
48
Liquidity
41
Efficiency
90
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.
Palo Alto, CA · Charter 13392
NCUA · 6 branches
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 | 0.94% | 0.92% | 0.91% | 0.94% | 1.01% | +7 bps | |
| Return on Equity | 8.52% | 8.58% | 8.52% | 8.89% | 8.97% | +44 bps | |
| Net Interest Margin | 2.52% | 2.44% | 2.39% | 2.42% | 2.51% | -1 bps | |
| Efficiency Ratio | 60.54% | 60.16% | 59.88% | 59.87% | 58.90% | -163 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.02% | 5.36% | 7.63% | 9.23% | 7.68% | +466 bps | |
| Loan Growth (YoY) | 4.56% | 5.31% | 3.88% | 2.95% | 2.32% | -225 bps | |
| Share Growth (YoY) | 3.84% | 4.19% | 9.94% | 9.62% | 9.95% | +610 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.10% | 0.11% | 0.21% | 0.15% | 0.21% | +10 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 | 11.02% | 10.69% | 10.67% | 10.59% | 11.21% | +19 bps | |
| Net Worth / Assets | 11.02% | 10.69% | 10.67% | 10.59% | 11.21% | +19 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 103.88% | 100.51% | 95.15% | 92.77% | 96.68% | -721 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Palo Alto, CA · Charter 13392 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 6 branches
Q2 2026
Return on Assets
1.01%
Rank 141 of 435
Net Interest Margin
2.51%
Rank 399 of 435
Efficiency Ratio
58.90%
Rank 45 of 435
Equity / Assets
11.21%
Rank 188 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.01% | 0.55% | 0.81% | 1.14% | Beats 68% | 141 / 435 | |
| Return on Equity | 8.97% | 5.12% | 7.41% | 9.70% | Beats 69% | 137 / 435 | |
| Net Interest Margin | 2.51% | 3.01% | 3.39% | 3.75% | Beats 8% | 399 / 435 | |
| Efficiency Ratio | 58.90% | 65.25% | 71.39% | 77.86% | Beats 90% | 45 / 435 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.20% | 0.45% | 0.69% | 1.05% | Beats 95% | 22 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 11.21% | 9.81% | 10.84% | 12.63% | Beats 57% | 188 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 11.21% | 9.81% | 10.84% | 12.63% | Beats 57% | 188 / 435 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 96.68% | 78.33% | 88.38% | 95.61% | 77th pctl | 98 / 435 | |
| Loans / Assets | 75.14% | 67.69% | 74.58% | 80.80% | 53rd pctl | 206 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||