San Bruno, CA · Charter 60968
NCUA · 5 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
72
Asset Quality
34
Profitability
14
Liquidity
0
Efficiency
3
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 Bruno, CA · Charter 60968
NCUA · 5 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.55% | -0.52% | -0.55% | -0.09% | -0.07% | 0.03% | 0.11% | 0.17% | +27 bps | |
| Return on Equity | -4.62% | -4.24% | -4.65% | -0.77% | -0.54% | 0.21% | 0.91% | 1.42% | +219 bps | |
| Net Interest Margin | 2.14% | 2.24% | 2.29% | 2.43% | 2.57% | 2.70% | 3.03% | 3.08% | +65 bps | |
| Efficiency Ratio | 113.60% | 111.49% | 110.03% | 94.18% | 94.85% | 92.03% | 92.74% | 91.08% | -310 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.38% | -2.27% | -0.11% | -0.82% | -3.05% | -0.35% | -1.83% | -1.90% | -109 bps | |
| Loan Growth (YoY) | -4.29% | -5.38% | -5.47% | -4.76% | -3.41% | -2.75% | -2.48% | -2.98% | +178 bps | |
| Share Growth (YoY) | -1.20% | 1.46% | 2.72% | 1.91% | -0.30% | -1.94% | -2.86% | -2.80% | -471 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.63% | 0.59% | 0.58% | 0.47% | 0.37% | 0.38% | 0.39% | 0.89% | +43 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.83% | 12.17% | 11.79% | 11.96% | 12.05% | 12.22% | 12.18% | 12.34% | +38 bps | |
| Net Worth / Assets | 11.83% | 12.17% | 11.79% | 11.96% | 12.05% | 12.22% | 12.18% | 12.34% | +38 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 60.46% | 59.34% | 57.32% | 57.80% | 58.58% | 58.85% | 57.54% | 57.69% | -11 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
San Bruno, CA · Charter 60968 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 5 branches
Q2 2026
Return on Assets
0.17%
Rank 409 of 435
Net Interest Margin
3.08%
Rank 301 of 435
Efficiency Ratio
91.08%
Rank 425 of 435
Equity / Assets
12.34%
Rank 123 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.17% | 0.55% | 0.81% | 1.14% | Beats 6% | 409 / 435 | ||
| Return on Equity | 1.42% | 5.12% | 7.41% | 9.70% | Beats 6% | 411 / 435 | ||
| Net Interest Margin | 3.08% | 3.01% | 3.39% | 3.75% | Beats 31% | 301 / 435 | ||
| Efficiency Ratio | 91.08% | 65.25% | 71.39% | 77.86% | Beats 3% | 425 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.89% | 0.45% | 0.69% | 1.05% | Beats 34% | 288 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.34% | 9.81% | 10.84% | 12.63% | Beats 72% | 123 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.34% | 9.81% | 10.84% | 12.63% | Beats 72% | 123 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 57.69% | 78.33% | 88.38% | 95.61% | 5th pctl | 412 / 435 | ||
| Loans / Assets | 51.04% | 67.69% | 74.58% | 80.80% | 7th pctl | 404 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||