San Francisco, CA · Charter 21393
NCUA · 2 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 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
86
Asset Quality
100
Profitability
9
Liquidity
0
Efficiency
5
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.
San Francisco, CA · Charter 21393
NCUA · 2 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 | 2.43% | 2.29% | 2.16% | 2.36% | -0.42% | -286 bps | |
| Return on Equity | 7.68% | 7.69% | 7.59% | 8.08% | -1.58% | -926 bps | |
| Net Interest Margin | 3.82% | 3.54% | 3.33% | 3.49% | 0.71% | -311 bps | |
| Efficiency Ratio | 36.26% | 35.22% | 35.15% | 32.47% | 159.58% | +12,332 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.61% | 8.74% | 13.94% | 19.24% | 22.30% | +2,590 bps | |
| Loan Growth (YoY) | -83.05% | -64.55% | 64.82% | 83.71% | 308% | +39,131 bps | |
| Share Growth (YoY) | -8.32% | 8.96% | 16.39% | 24.40% | 31.13% | +3,945 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 400% | 365% | 16.21% | 34.98% | 97.98% | -30,202 bps | |
| Capital | |||||||
| Risk-Based Capital | 31.68% | 29.82% | 28.44% | 29.17% | 26.75% | -494 bps | |
| Net Worth / Assets | 31.68% | 29.82% | 28.44% | 29.17% | 26.75% | -494 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 0.12% | 0.12% | 2.42% | 1.14% | 0.37% | +25 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
San Francisco, CA · Charter 21393 · Peer group: credit unions under $1B in assets in the San Francisco-Oakland-Fremont, CA area (n=22)
NCUA · 2 branches
Q2 2026
Return on Assets
-0.38%
Rank 19 of 22
Net Interest Margin
0.76%
Rank 22 of 22
Efficiency Ratio
150.00%
Rank 22 of 22
Equity / Assets
26.70%
Rank 3 of 22
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.38% | -0.03% | 0.55% | 0.99% | Beats 14% | 19 / 22 | |
| Return on Equity | -1.42% | -0.26% | 3.68% | 6.84% | Beats 14% | 19 / 22 | |
| Net Interest Margin | 0.76% | 2.64% | 3.38% | 3.88% | Beats 0% | 22 / 22 | |
| Efficiency Ratio | 150.00% | 71.26% | 81.14% | 99.76% | Beats 5% | 22 / 22 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.03% | 0.56% | 1.15% | Beats 100% | 4 / 22 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 26.70% | 10.74% | 12.65% | 15.23% | Beats 86% | 3 / 22 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 26.70% | 10.74% | 12.65% | 15.23% | Beats 86% | 3 / 22 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 0.26% | 45.93% | 53.20% | 62.68% | 0th pctl | 22 / 22 | |
| Loans / Assets | 0.19% | 34.22% | 45.72% | 53.73% | 0th pctl | 22 / 22 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||