PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

The Police

San Bruno, CA · Charter 60968

NCUA · 5 branches

Q2 2026

$1.0BAssets
$534.1MLoans
$925.9MShares
$129.1MNet Worth

Executive Summary

  • Earnings: ROA of 0.17%, up 27 bps year over year; NIM at 3.08%.
  • Asset quality: problem loans at 0.89% of loans (+43 bps YoY).
  • Capital: net worth / assets of 12.34%, up 38 bps from a year ago.
  • Funding: loans stand at 57.69% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.17%+27 bps YoY

Net Interest Margin (YTD, annualized)

3.08%+65 bps YoY

Efficiency Ratio (YTD, annualized)

91.08%-310 bps YoY

Net Worth / Assets

12.34%+38 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
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 Margin2.14%2.24%2.29%2.43%2.57%2.70%3.03%3.08%+65 bps
Efficiency Ratio113.60%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 / Loans0.63%0.59%0.58%0.47%0.37%0.38%0.39%0.89%+43 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.83%12.17%11.79%11.96%12.05%12.22%12.18%12.34%+38 bps
Net Worth / Assets11.83%12.17%11.79%11.96%12.05%12.22%12.18%12.34%+38 bps
Liquidity & Funding
Loans / Shares60.46%59.34%57.32%57.80%58.58%58.85%57.54%57.69%-11 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps