San Jose, CA · Charter 61741
NCUA · 5 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 | 1.31% | 1.22% | 0.81% | 0.84% | 0.86% | 0.93% | 0.62% | 0.70% | -14 bps | |
| Return on Equity | 9.92% | 9.25% | 6.14% | 6.16% | 6.22% | 6.59% | 4.46% | 4.92% | -124 bps | |
| Net Interest Margin | 4.22% | 4.18% | 4.06% | 4.19% | 4.24% | 4.24% | 4.07% | 4.08% | -10 bps | |
| Efficiency Ratio | 69.75% | 70.54% | 77.06% | 75.05% | 75.69% | 75.63% | 79.45% | 79.15% | +410 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.86% | -2.68% | -0.84% | -1.70% | 1.18% | 0.40% | 0.02% | 1.35% | +305 bps | |
| Loan Growth (YoY) | -7.12% | -8.79% | -10.60% | -9.61% | -6.48% | -5.04% | -3.80% | -4.22% | +540 bps | |
| Share Growth (YoY) | -7.02% | -4.44% | -2.41% | -3.23% | 0.28% | -0.67% | -1.24% | 0.39% | +363 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.21% | 0.48% | 0.28% | 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 | 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 | 13.16% | 13.23% | 13.17% | 13.60% | 13.86% | 14.06% | 13.99% | 14.23% | +62 bps | |
| Net Worth / Assets | 13.16% | 13.23% | 13.17% | 13.60% | 13.86% | 14.06% | 13.99% | 14.23% | +62 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 92.41% | 89.40% | 84.60% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |