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 | |