H. P.
Palo Alto, CA · Charter 19976 · Peer group: credit unions any (n=21)
NCUA · 39 branches
Q4 2025
$16.4BAssets
$12.1BLoans
$12.4BShares
$1.7BNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 67% of credit unions any (rank 7 of 21).
- Widest gap: return on equity trails 95% of credit unions any (rank 20 of 21).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.19%
Rank 20 of 21
Net Interest Margin
2.95%
Rank 11 of 21
Efficiency Ratio
65.06%
Rank 13 of 21
Equity / Assets
10.27%
Rank 7 of 21
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.19% | 0.51% | 0.68% | 0.97% | Beats 5% | 20 / 21 | | |
| Return on Equity | 1.88% | 5.06% | 6.83% | 9.54% | Beats 5% | 20 / 21 | | |
| Net Interest Margin | 2.95% | 2.67% | 2.95% | 3.49% | Beats 48% | 11 / 21 | | |
| Efficiency Ratio | 65.06% | 57.10% | 63.35% | 72.87% | Beats 43% | 13 / 21 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.53% | 0.84% | 1.23% | 1.48% | Beats 24% | 17 / 21 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.27% | 9.47% | 9.96% | 10.95% | Beats 67% | 7 / 21 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.27% | 9.47% | 9.96% | 10.95% | Beats 67% | 7 / 21 | | |
| Liquidity & Funding |
| Loans / Deposits | 98.26% | 83.60% | 90.49% | 97.34% | 81st pctl | 4 / 21 | | |
| Loans / Assets | 73.81% | 70.00% | 77.84% | 82.21% | 33rd pctl | 14 / 21 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |