San Jose, CA · Charter 61741
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 under $1B in assets in CA (n=62 to 63). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
78
Asset Quality
52
Profitability
61
Liquidity
53
Efficiency
56
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 Jose, CA · Charter 61741
NCUA · 5 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 | 0.84% | 0.86% | 0.93% | 0.62% | 0.70% | -14 bps | |
| Return on Equity | 6.16% | 6.22% | 6.59% | 4.46% | 4.92% | -124 bps | |
| Net Interest Margin | 4.19% | 4.24% | 4.24% | 4.07% | 4.08% | -10 bps | |
| Efficiency Ratio | 75.05% | 75.69% | 75.63% | 79.45% | 79.15% | +410 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.70% | 1.18% | 0.40% | 0.02% | 1.35% | +305 bps | |
| Loan Growth (YoY) | -9.61% | -6.48% | -5.04% | -3.80% | -4.22% | +540 bps | |
| Share Growth (YoY) | -3.23% | 0.28% | -0.67% | -1.24% | 0.39% | +363 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.37% | 0.42% | 0.59% | 0.26% | 0.41% | +4 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 | 13.60% | 13.86% | 14.06% | 13.99% | 14.23% | +62 bps | |
| Net Worth / Assets | 13.60% | 13.86% | 14.06% | 13.99% | 14.23% | +62 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 85.37% | 86.17% | 85.47% | 82.40% | 81.45% | -392 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
San Jose, CA · Charter 61741 · Peer group: credit unions under $1B in assets in CA (n=62-63)
NCUA · 5 branches
Q2 2026
Return on Assets
0.70%
Rank 27 of 63
Net Interest Margin
4.08%
Rank 15 of 63
Efficiency Ratio
79.16%
Rank 29 of 63
Equity / Assets
14.23%
Rank 14 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.70% | 0.17% | 0.56% | 1.17% | Beats 57% | 27 / 63 | |
| Return on Equity | 4.92% | 1.81% | 4.79% | 8.64% | Beats 51% | 31 / 63 | |
| Net Interest Margin | 4.08% | 3.18% | 3.49% | 3.98% | Beats 76% | 15 / 63 | |
| Efficiency Ratio | 79.16% | 70.58% | 81.25% | 89.21% | Beats 56% | 29 / 63 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.41% | 0.17% | 0.42% | 0.85% | Beats 52% | 31 / 62 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 14.23% | 8.61% | 10.56% | 14.01% | Beats 78% | 14 / 63 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 14.23% | 8.61% | 10.56% | 14.01% | Beats 78% | 14 / 63 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 81.45% | 53.46% | 72.75% | 85.33% | 69th pctl | 19 / 62 | |
| Loans / Assets | 69.12% | 46.35% | 58.08% | 72.17% | 63rd pctl | 23 / 63 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||