San Bruno, CA · Charter 60968
NCUA · 5 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.09% | -0.07% | 0.03% | 0.11% | 0.17% | +27 bps | |
| Return on Equity | -0.77% | -0.54% | 0.21% | 0.91% | 1.42% | +219 bps | |
| Net Interest Margin | 2.43% | 2.57% | 2.70% | 3.03% | 3.08% | +65 bps | |
| Efficiency Ratio | 94.18% | 94.85% | 92.03% | 92.74% | 91.08% | -310 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.82% | -3.05% | -0.35% | -1.83% | -1.90% | -109 bps | |
| Loan Growth (YoY) | -4.76% | -3.41% | -2.75% | -2.48% | -2.98% | +178 bps | |
| Share Growth (YoY) | 1.91% | -0.30% | -1.94% | -2.86% | -2.80% | -471 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.96% | 12.05% | 12.22% | 12.18% | 12.34% | +38 bps | |
| Net Worth / Assets | 11.96% | 12.05% | 12.22% | 12.18% | 12.34% | +38 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |