PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Northeast Community

San Francisco, CA · Charter 23780

NCUA · 2 branches

Q2 2026

$15.2MAssets
$5.2MLoans
$9.8MShares
$5.0MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 4.08%, up 246 bps year over year; NIM at 3.35%.
  • Asset quality: problem loans at 0.00% of loans (-1 bps YoY).
  • Capital: net worth / assets of 32.63%, down 597 bps from a year ago.
  • Funding: loans stand at 53.12% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

4.08%+246 bps YoY

Net Interest Margin (YTD, annualized)

3.35%+1 bps YoY

Efficiency Ratio (YTD, annualized)

85.33%+1,003 bps YoY

Net Worth / Assets

32.63%-597 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.62%1.36%0.67%2.60%4.08%+246 bps
Return on Equity4.20%4.23%2.23%8.60%12.51%+831 bps
Net Interest Margin3.35%3.62%3.53%3.12%3.35%+1 bps
Efficiency Ratio75.30%80.39%89.44%67.82%85.33%+1,003 bps
Growth
Asset Growth (YoY)4.45%0.06%-1.23%-0.80%-7.16%-1,162 bps
Loan Growth (YoY)63.43%51.07%42.41%49.71%16.84%-4,659 bps
Share Growth (YoY)-0.93%-1.08%-2.77%-3.19%-5.71%-478 bps
Asset Quality
Delinquent Loans / Loans0.01%0.00%0.00%0.00%0.00%-1 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital38.60%32.17%30.05%30.24%32.63%-597 bps
Net Worth / Assets38.60%32.17%30.05%30.24%32.63%-597 bps
Liquidity & Funding
Loans / Shares42.87%43.92%50.45%52.61%53.12%+1,025 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps