San Jose, CA · Charter 23521
NCUA · 23 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 any (n=25). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
52
Asset Quality
12
Profitability
31
Liquidity
82
Efficiency
40
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 Jose, CA · Charter 23521
NCUA · 23 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 | 0.81% | 0.81% | 0.68% | 0.63% | 0.28% | -53 bps | |
| Return on Equity | 8.40% | 8.32% | 6.98% | 6.00% | 2.59% | -581 bps | |
| Net Interest Margin | 3.92% | 3.93% | 3.89% | 4.07% | 4.11% | +19 bps | |
| Efficiency Ratio | 61.66% | 61.94% | 63.35% | 63.24% | 64.64% | +298 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.31% | 6.10% | 3.49% | 121.33% | 119.10% | +11,279 bps | |
| Loan Growth (YoY) | -0.37% | -0.33% | -1.14% | 105.69% | 105.37% | +10,574 bps | |
| Share Growth (YoY) | 7.06% | 7.34% | 6.57% | 114.37% | 112.65% | +10,559 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.11% | 1.17% | 1.23% | 1.23% | 1.61% | +50 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 | 9.68% | 9.78% | 9.69% | 10.51% | 10.75% | +107 bps | |
| Net Worth / Assets | 9.68% | 9.78% | 9.69% | 10.51% | 10.75% | +107 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 94.22% | 94.38% | 91.82% | 89.88% | 90.99% | -323 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
San Jose, CA · Charter 23521 · Peer group: credit unions any (n=25)
NCUA · 23 branches
Q2 2026
Return on Assets
0.28%
Rank 25 of 25
Net Interest Margin
4.11%
Rank 2 of 25
Efficiency Ratio
64.64%
Rank 16 of 25
Equity / Assets
10.75%
Rank 12 of 25
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.28% | 0.54% | 0.87% | 1.36% | Beats 0% | 25 / 25 | |
| Return on Equity | 2.59% | 5.49% | 9.20% | 10.99% | Beats 0% | 25 / 25 | |
| Net Interest Margin | 4.11% | 2.86% | 3.13% | 3.50% | Beats 92% | 2 / 25 | |
| Efficiency Ratio | 64.64% | 54.62% | 61.07% | 70.28% | Beats 40% | 16 / 25 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.61% | 0.64% | 0.92% | 1.30% | Beats 12% | 23 / 25 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.75% | 9.55% | 10.72% | 11.84% | Beats 52% | 12 / 25 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.75% | 9.55% | 10.72% | 11.84% | Beats 52% | 12 / 25 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 90.99% | 81.23% | 88.75% | 93.33% | 52nd pctl | 12 / 25 | |
| Loans / Assets | 78.98% | 68.82% | 78.26% | 79.51% | 56th pctl | 11 / 25 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||