San Francisco, CA · Charter 24982
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 under $1B in assets in CA (n=63). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
98
Asset Quality
No peer data yet
Profitability
65
Liquidity
No peer data yet
Efficiency
100
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 24982
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 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|
| Earnings | |||||
| Return on Assets | 100.00% | 400% | 200% | n/a | |
| Return on Equity | 100.00% | 400% | 200% | n/a | |
| Net Interest Margin | 100.00% | 400% | 0.37% | n/a | |
| Efficiency Ratio | 0.00% | 0.00% | 0.13% | n/a | |
| Growth | |||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | n/a |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | n/a |
| Asset Quality | |||||
| Delinquent Loans / Loans | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||
| Risk-Based Capital | 100.00% | 100.00% | 100.00% | n/a | |
| Net Worth / Assets | 100.00% | 100.00% | 100.00% | n/a | |
| Liquidity & Funding | |||||
| Loans / Shares | n/a | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | n/a | |
San Francisco, CA · Charter 24982 · Peer group: credit unions under $1B in assets in CA (n=63)
Q2 2026
Return on Assets
200%
Rank 1 of 63
Net Interest Margin
0.40%
Rank 63 of 63
Efficiency Ratio
0.12%
Rank 1 of 63
Equity / Assets
100.00%
Rank 1 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 200% | 0.17% | 0.56% | 1.17% | Beats 98% | 1 / 63 | |
| Return on Equity | 200% | 1.81% | 4.79% | 8.64% | Beats 98% | 1 / 63 | |
| Net Interest Margin | 0.40% | 3.18% | 3.49% | 3.98% | Beats 0% | 63 / 63 | |
| Efficiency Ratio | 0.12% | 70.58% | 81.25% | 89.21% | Beats 100% | 1 / 63 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | n/a | Not reported for this institution | |||||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 100.00% | 8.61% | 10.56% | 14.01% | Beats 98% | 1 / 63 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 100.00% | 8.61% | 10.56% | 14.01% | Beats 98% | 1 / 63 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | n/a | Not reported for this institution | |||||
| Loans / Assets | 0.00% | 46.35% | 58.08% | 72.17% | 0th pctl | 63 / 63 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||