Redwood City, CA · Charter 21502
NCUA · 6 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
68
Asset Quality
5
Profitability
17
Liquidity
0
Efficiency
14
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.
Redwood City, CA · Charter 21502
NCUA · 6 branches
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 | -0.46% | -0.44% | -0.50% | -0.43% | -0.38% | -0.41% | -0.75% | -0.62% | -19 bps | |
| Return on Equity | -3.22% | -3.20% | -3.62% | -3.27% | -2.91% | -2.95% | -5.50% | -4.55% | -129 bps | |
| Net Interest Margin | 2.73% | 2.67% | 2.86% | 2.79% | 2.86% | 2.97% | 2.89% | 3.01% | +22 bps | |
| Efficiency Ratio | 113.94% | 113.53% | 114.37% | 112.68% | 111.11% | 111.11% | 121.61% | 117.15% | +447 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.85% | -3.67% | -2.00% | 5.49% | 4.20% | -3.60% | -2.52% | -6.75% | -1,223 bps | |
| Loan Growth (YoY) | 0.60% | -1.27% | -0.48% | 0.66% | 2.73% | 2.07% | -10.67% | -8.26% | -892 bps | |
| Share Growth (YoY) | -12.18% | -3.79% | -1.10% | 6.63% | 3.52% | -3.72% | -2.13% | -7.32% | -1,395 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.53% | 0.74% | 0.63% | 0.47% | 2.76% | 2.93% | 3.43% | 2.92% | +245 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 | 14.15% | 13.63% | 13.71% | 13.17% | 13.19% | 13.74% | 13.60% | 13.63% | +46 bps | |
| Net Worth / Assets | 14.15% | 13.63% | 13.71% | 13.17% | 13.19% | 13.74% | 13.60% | 13.63% | +46 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 99.87% | 97.09% | 100.38% | 92.82% | 99.12% | 102.94% | 91.63% | 91.88% | -94 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Redwood City, CA · Charter 21502 · Peer group: credit unions under $1B in assets in the San Francisco-Oakland-Fremont, CA area (n=22)
NCUA · 6 branches
Q2 2026
Return on Assets
-0.62%
Rank 20 of 22
Net Interest Margin
3.01%
Rank 15 of 22
Efficiency Ratio
117.11%
Rank 20 of 22
Equity / Assets
13.63%
Rank 7 of 22
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.62% | -0.03% | 0.55% | 0.99% | Beats 9% | 20 / 22 | ||
| Return on Equity | -4.56% | -0.26% | 3.68% | 6.84% | Beats 9% | 20 / 22 | ||
| Net Interest Margin | 3.01% | 2.64% | 3.38% | 3.88% | Beats 32% | 15 / 22 | ||
| Efficiency Ratio | 117.11% | 71.26% | 81.14% | 99.76% | Beats 14% | 20 / 22 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.92% | 0.03% | 0.56% | 1.15% | Beats 5% | 22 / 22 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.63% | 10.74% | 12.65% | 15.23% | Beats 68% | 7 / 22 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 13.63% | 10.74% | 12.65% | 15.23% | Beats 68% | 7 / 22 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 91.88% | 45.93% | 53.20% | 62.68% | 86th pctl | 3 / 22 | ||
| Loans / Assets | 78.87% | 34.22% | 45.72% | 53.73% | 86th pctl | 3 / 22 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||