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 | |