PackageTrendsPeer
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Blupeak

San Diego, CA · Charter 60801

NCUA · 6 branches

Q2 2026

$1.1BAssets
$743.3MLoans
$998.4MShares
$106.0MNet 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 0.18%, down 5 bps year over year; NIM at 3.18%.
  • Asset quality: problem loans at 1.03% of loans (+75 bps YoY).
  • Capital: net worth / assets of 9.69%, up 78 bps from a year ago.
  • Funding: loans stand at 74.44% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.18%-5 bps YoY

Net Interest Margin (quarter, annualized)

3.18%+47 bps YoY

Efficiency Ratio (quarter, annualized)

91.70%-594 bps YoY

Net Worth / Assets

9.69%+78 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.23%0.21%0.21%0.15%0.18%-5 bps
Return on Equity2.57%2.28%2.25%1.59%1.81%-76 bps
Net Interest Margin2.71%2.81%2.88%3.11%3.18%+47 bps
Efficiency Ratio97.64%95.77%93.85%92.08%91.70%-594 bps
Growth
Asset Growth (YoY)-15.13%-10.81%-6.12%-5.43%-6.60%+853 bps
Loan Growth (YoY)-9.54%-9.28%-9.74%-7.83%-4.08%+546 bps
Share Growth (YoY)-16.40%-11.92%-7.31%-6.53%-7.38%+902 bps
Asset Quality
Delinquent Loans / Loans0.27%0.23%0.30%0.30%1.03%+75 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 Capital8.91%9.17%9.27%9.34%9.69%+78 bps
Net Worth / Assets8.91%9.17%9.27%9.34%9.69%+78 bps
Liquidity & Funding
Loans / Shares71.88%72.86%71.84%72.10%74.44%+256 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps