Oakland, CA · Charter 61085
NCUA · 2 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 under $1B in assets in the San Francisco-Oakland-Fremont, CA area (n=22). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
14
Asset Quality
50
Profitability
76
Liquidity
0
Efficiency
82
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.
Oakland, CA · Charter 61085
NCUA · 2 branches
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.67% | 0.62% | 0.68% | 0.58% | 1.14% | +46 bps | |
| Return on Equity | 7.79% | 7.09% | 7.75% | 6.52% | 12.19% | +440 bps | |
| Net Interest Margin | 3.22% | 3.31% | 3.45% | 3.40% | 3.62% | +40 bps | |
| Efficiency Ratio | 78.42% | 79.13% | 75.84% | 80.80% | 68.56% | -987 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.95% | -1.26% | 3.38% | 1.81% | 2.73% | +668 bps | |
| Loan Growth (YoY) | -22.41% | -19.25% | -19.34% | -13.37% | -4.48% | +1,793 bps | |
| Share Growth (YoY) | -4.54% | -2.29% | 3.10% | 1.12% | 2.16% | +669 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.28% | 0.23% | 0.24% | 0.05% | 0.57% | +28 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 | 8.66% | 8.74% | 8.83% | 8.93% | 9.34% | +69 bps | |
| Net Worth / Assets | 8.66% | 8.74% | 8.83% | 8.93% | 9.34% | +69 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 29.08% | 28.57% | 26.35% | 26.22% | 27.19% | -189 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Oakland, CA · Charter 61085 · Peer group: credit unions under $1B in assets in the San Francisco-Oakland-Fremont, CA area (n=22)
NCUA · 2 branches
Q2 2026
Return on Assets
1.14%
Rank 4 of 22
Net Interest Margin
3.62%
Rank 9 of 22
Efficiency Ratio
68.63%
Rank 5 of 22
Equity / Assets
9.34%
Rank 19 of 22
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.14% | -0.03% | 0.55% | 0.99% | Beats 82% | 4 / 22 | |
| Return on Equity | 12.22% | -0.26% | 3.68% | 6.84% | Beats 86% | 3 / 22 | |
| Net Interest Margin | 3.62% | 2.64% | 3.38% | 3.88% | Beats 59% | 9 / 22 | |
| Efficiency Ratio | 68.63% | 71.26% | 81.14% | 99.76% | Beats 82% | 5 / 22 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.56% | 0.03% | 0.56% | 1.15% | Beats 50% | 12 / 22 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.34% | 10.74% | 12.65% | 15.23% | Beats 14% | 19 / 22 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.34% | 10.74% | 12.65% | 15.23% | Beats 14% | 19 / 22 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 27.20% | 45.93% | 53.20% | 62.68% | 9th pctl | 20 / 22 | |
| Loans / Assets | 24.52% | 34.22% | 45.72% | 53.73% | 14th pctl | 19 / 22 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||