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 | |