Oakland, CA · Charter 61085
NCUA · 2 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.12% | 0.09% | 0.52% | 0.67% | 0.62% | 0.68% | 0.58% | 1.14% | +46 bps | |
| Return on Equity | -1.45% | 1.04% | 6.17% | 7.79% | 7.09% | 7.75% | 6.52% | 12.19% | +440 bps | |
| Net Interest Margin | 2.77% | 2.92% | 3.04% | 3.22% | 3.31% | 3.45% | 3.40% | 3.62% | +40 bps | |
| Efficiency Ratio | 99.69% | 94.40% | 84.65% | 78.42% | 79.13% | 75.84% | 80.80% | 68.56% | -987 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.49% | -10.33% | -6.44% | -3.95% | -1.26% | 3.38% | 1.81% | 2.73% | +668 bps | |
| Loan Growth (YoY) | -11.68% | -18.68% | -21.32% | -22.41% | -19.25% | -19.34% | -13.37% | -4.48% | +1,793 bps | |
| Share Growth (YoY) | -7.82% | -9.78% | -5.62% | -4.54% | -2.29% | 3.10% | 1.12% | 2.16% | +669 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.21% | 0.04% | 0.04% | 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 | 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 | 8.00% | 8.43% | 8.39% | 8.66% | 8.74% | 8.83% | 8.93% | 9.34% | +69 bps | |
| Net Worth / Assets | 8.00% | 8.43% | 8.39% | 8.66% | 8.74% | 8.83% | 8.93% | 9.34% | +69 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 34.57% | 33.68% | 30.60% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |