Palo Alto, CA · Charter 13392
NCUA · 6 branches
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 | 0.84% | 0.84% | 0.82% | 0.94% | 0.92% | 0.91% | 0.94% | 1.01% | +7 bps | |
| Return on Equity | 8.15% | 8.02% | 7.75% | 8.52% | 8.58% | 8.52% | 8.89% | 8.97% | +44 bps | |
| Net Interest Margin | 2.21% | 2.22% | 2.40% | 2.52% | 2.44% | 2.39% | 2.42% | 2.51% | -1 bps | |
| Efficiency Ratio | 59.72% | 59.88% | 63.41% | 60.54% | 60.16% | 59.88% | 59.87% | 58.90% | -163 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.17% | 4.50% | 4.03% | 3.02% | 5.36% | 7.63% | 9.23% | 7.68% | +466 bps | |
| Loan Growth (YoY) | 1.79% | 2.20% | 3.63% | 4.56% | 5.31% | 3.88% | 2.95% | 2.32% | -225 bps | |
| Share Growth (YoY) | 6.90% | 6.17% | 5.45% | 3.84% | 4.19% | 9.94% | 9.62% | 9.95% | +610 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.17% | 0.17% | 0.12% | 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 | 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 | 10.32% | 10.50% | 10.55% | 11.02% | 10.69% | 10.67% | 10.59% | 11.21% | +19 bps | |
| Net Worth / Assets | 10.32% | 10.50% | 10.55% | 11.02% | 10.69% | 10.67% | 10.59% | 11.21% | +19 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 99.44% | 100.70% | 98.79% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |