Livermore, CA · Charter 14934
NCUA · 1 branch
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 under $1B in assets in the San Francisco-Oakland-Fremont, CA area (n=22). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
50
Asset Quality
59
Profitability
83
Liquidity
100
Efficiency
95
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.
Livermore, CA · Charter 14934
NCUA · 1 branch
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.73% | 1.52% | 1.76% | 1.33% | 1.72% | 1.54% | 2.59% | 1.88% | +54 bps | |
| Return on Equity | 15.74% | 13.73% | 15.25% | 11.56% | 14.50% | 12.94% | 20.80% | 14.83% | +328 bps | |
| Net Interest Margin | 3.86% | 3.75% | 3.51% | 3.52% | 3.52% | 3.52% | 3.76% | 3.74% | +22 bps | |
| Efficiency Ratio | 58.28% | 61.97% | 60.68% | 66.02% | 62.05% | 64.16% | 55.12% | 59.52% | -650 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.34% | 3.58% | 4.14% | 5.85% | 6.13% | 6.37% | 7.82% | 6.56% | +71 bps | |
| Loan Growth (YoY) | 2.42% | -5.89% | -5.51% | -1.66% | -1.42% | 4.12% | 14.13% | 7.93% | +959 bps | |
| Share Growth (YoY) | -1.93% | 2.33% | 1.92% | 4.22% | 4.45% | 4.43% | 7.32% | 5.71% | +149 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.37% | 0.73% | 0.40% | 0.76% | 0.34% | 0.54% | 0.51% | 0.32% | -45 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 | 10.96% | 11.04% | 11.54% | 11.53% | 11.85% | 11.93% | 12.47% | 12.65% | +112 bps | |
| Net Worth / Assets | 10.96% | 11.04% | 11.54% | 11.53% | 11.85% | 11.93% | 12.47% | 12.65% | +112 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 52.06% | 49.57% | 49.15% | 52.10% | 49.13% | 49.43% | 52.27% | 53.20% | +110 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Livermore, CA · Charter 14934 · Peer group: credit unions under $1B in assets in the San Francisco-Oakland-Fremont, CA area (n=22)
NCUA · 1 branch
Q2 2026
Return on Assets
1.88%
Rank 2 of 22
Net Interest Margin
3.74%
Rank 8 of 22
Efficiency Ratio
59.55%
Rank 2 of 22
Equity / Assets
12.65%
Rank 11 of 22
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.88% | -0.03% | 0.55% | 0.99% | Beats 91% | 2 / 22 | ||
| Return on Equity | 14.83% | -0.26% | 3.68% | 6.84% | Beats 95% | 1 / 22 | ||
| Net Interest Margin | 3.74% | 2.64% | 3.38% | 3.88% | Beats 64% | 8 / 22 | ||
| Efficiency Ratio | 59.55% | 71.26% | 81.14% | 99.76% | Beats 95% | 2 / 22 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.32% | 0.03% | 0.56% | 1.15% | Beats 59% | 10 / 22 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.65% | 10.74% | 12.65% | 15.23% | Beats 50% | 11 / 22 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.65% | 10.74% | 12.65% | 15.23% | Beats 50% | 11 / 22 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 53.20% | 45.93% | 53.20% | 62.68% | 50th pctl | 11 / 22 | ||
| Loans / Assets | 46.19% | 34.22% | 45.72% | 53.73% | 55th pctl | 10 / 22 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||