Palo Alto, CA · Charter 19976
NCUA · 39 branches
Q4 2025
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.17% | 0.12% | 0.34% | 0.23% | 0.19% | +3 bps | |
| Return on Equity | 1.72% | 1.25% | 3.40% | 2.29% | 1.88% | +15 bps | |
| Net Interest Margin | 2.42% | 2.78% | 2.78% | 2.85% | 2.95% | +53 bps | |
| Efficiency Ratio | 70.11% | 67.58% | 67.76% | 67.29% | 65.06% | -505 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.12% | 0.73% | 1.90% | -3.64% | -5.33% | -845 bps | |
| Loan Growth (YoY) | 1.88% | 3.26% | 2.02% | 0.59% | -0.46% | -234 bps | |
| Share Growth (YoY) | 5.75% | 0.49% | -3.08% | -4.34% | -4.17% | -992 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.32% | 1.16% | 1.53% | 1.76% | 1.53% | +21 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 | 9.61% | 9.83% | 9.96% | 10.07% | 10.27% | +66 bps | |
| Net Worth / Assets | 9.61% | 9.83% | 9.96% | 10.07% | 10.27% | +66 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 94.60% | 96.66% | 103.73% | 100.74% | 98.26% | +366 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |