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 | |