San Francisco, CA · Charter 24542
NCUA · 8 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
82
Asset Quality
97
Profitability
55
Liquidity
18
Efficiency
55
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 Francisco, CA · Charter 24542
NCUA · 8 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 | 0.96% | 1.12% | 1.15% | 0.75% | 1.12% | +17 bps | |
| Return on Equity | 8.78% | 9.89% | 9.97% | 6.99% | 8.46% | -31 bps | |
| Net Interest Margin | 3.10% | 3.21% | 3.28% | 3.16% | 3.06% | -4 bps | |
| Efficiency Ratio | 70.48% | 67.56% | 67.58% | 78.30% | 70.26% | -21 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.02% | 7.16% | 12.16% | 19.33% | 12.80% | +478 bps | |
| Loan Growth (YoY) | 45.40% | 49.27% | 35.75% | 40.69% | 33.19% | -1,221 bps | |
| Share Growth (YoY) | 8.88% | 8.71% | -3.70% | 6.31% | 7.39% | -149 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.24% | 0.27% | 0.17% | 0.15% | 0.15% | -9 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 | 10.92% | 11.28% | 11.56% | 10.76% | 13.29% | +237 bps | |
| Net Worth / Assets | 10.92% | 11.28% | 11.56% | 10.76% | 13.29% | +237 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 55.75% | 62.12% | 64.58% | 65.08% | 69.14% | +1,339 bps | |
| Liquid Assets / Assets | 96.66% | 99.45% | 100.00% | 98.63% | 0.00% | -9,666 bps | |
San Francisco, CA · Charter 24542 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 8 branches
Q2 2026
Return on Assets
1.12%
Rank 111 of 435
Net Interest Margin
3.06%
Rank 312 of 435
Efficiency Ratio
70.26%
Rank 196 of 435
Equity / Assets
13.29%
Rank 78 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.12% | 0.55% | 0.81% | 1.14% | Beats 74% | 111 / 435 | |
| Return on Equity | 8.46% | 5.12% | 7.41% | 9.70% | Beats 63% | 160 / 435 | |
| Net Interest Margin | 3.06% | 3.01% | 3.39% | 3.75% | Beats 28% | 312 / 435 | |
| Efficiency Ratio | 70.26% | 65.25% | 71.39% | 77.86% | Beats 55% | 196 / 435 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.15% | 0.45% | 0.69% | 1.05% | Beats 97% | 13 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 13.29% | 9.81% | 10.84% | 12.63% | Beats 82% | 78 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 13.29% | 9.81% | 10.84% | 12.63% | Beats 82% | 78 / 435 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 69.14% | 78.33% | 88.38% | 95.61% | 13th pctl | 380 / 435 | |
| Loans / Assets | 50.80% | 67.69% | 74.58% | 80.80% | 7th pctl | 406 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||