San Jose, CA · Charter 24299
NCUA · 7 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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
27
Asset Quality
27
Profitability
45
Liquidity
21
Efficiency
23
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 24299
NCUA · 7 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 | 0.47% | 0.42% | 0.41% | 0.53% | 0.54% | +7 bps | |
| Return on Equity | 4.61% | 4.22% | 4.24% | 5.48% | 5.47% | +86 bps | |
| Net Interest Margin | 3.88% | 3.86% | 3.74% | 3.95% | 3.91% | +3 bps | |
| Efficiency Ratio | 81.05% | 80.70% | 80.65% | 78.39% | 78.38% | -268 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.25% | -0.09% | 6.33% | 7.57% | 7.20% | +695 bps | |
| Loan Growth (YoY) | 5.28% | 5.23% | 15.21% | 16.96% | 18.34% | +1,306 bps | |
| Share Growth (YoY) | -1.43% | 2.45% | 4.19% | 4.30% | 8.15% | +958 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.88% | 1.04% | 0.98% | 1.00% | 1.03% | +15 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 | 10.11% | 10.05% | 9.74% | 9.75% | 9.87% | -24 bps | |
| Net Worth / Assets | 10.11% | 10.05% | 9.74% | 9.75% | 9.87% | -24 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 63.81% | 64.73% | 68.94% | 69.77% | 69.83% | +601 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
San Jose, CA · Charter 24299 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 7 branches
Q2 2026
Return on Assets
0.54%
Rank 333 of 435
Net Interest Margin
3.91%
Rank 74 of 435
Efficiency Ratio
78.38%
Rank 338 of 435
Equity / Assets
9.87%
Rank 319 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.54% | 0.55% | 0.81% | 1.14% | Beats 23% | 333 / 435 | |
| Return on Equity | 5.47% | 5.12% | 7.41% | 9.70% | Beats 29% | 310 / 435 | |
| Net Interest Margin | 3.91% | 3.01% | 3.39% | 3.75% | Beats 83% | 74 / 435 | |
| Efficiency Ratio | 78.38% | 65.25% | 71.39% | 77.86% | Beats 23% | 338 / 435 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.03% | 0.45% | 0.69% | 1.05% | Beats 27% | 317 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.87% | 9.81% | 10.84% | 12.63% | Beats 27% | 319 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.87% | 9.81% | 10.84% | 12.63% | Beats 27% | 319 / 435 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 69.83% | 78.33% | 88.38% | 95.61% | 13th pctl | 378 / 435 | |
| Loans / Assets | 63.29% | 67.69% | 74.58% | 80.80% | 17th pctl | 361 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||