Redwood City, CA · Charter 62736
NCUA · 10 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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
79
Asset Quality
69
Profitability
52
Liquidity
78
Efficiency
45
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.
Redwood City, CA · Charter 62736
NCUA · 10 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 | 1.01% | 1.05% | 1.11% | 0.96% | 0.97% | -5 bps | |
| Return on Equity | 7.98% | 8.15% | 8.56% | 7.43% | 7.43% | -55 bps | |
| Net Interest Margin | 3.20% | 3.23% | 3.24% | 3.31% | 3.28% | +8 bps | |
| Efficiency Ratio | 71.85% | 71.04% | 70.09% | 73.80% | 73.03% | +118 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.58% | 5.86% | 6.26% | 5.87% | 6.10% | +52 bps | |
| Loan Growth (YoY) | 3.67% | 3.64% | 4.79% | 4.90% | 3.97% | +30 bps | |
| Share Growth (YoY) | 5.18% | 5.55% | 5.86% | 5.77% | 5.80% | +63 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.51% | 0.69% | 0.41% | 0.35% | 0.50% | -1 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 | 12.72% | 12.83% | 13.00% | 12.92% | 13.01% | +29 bps | |
| Net Worth / Assets | 12.72% | 12.83% | 13.00% | 12.92% | 13.01% | +29 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 93.13% | 92.31% | 93.66% | 91.17% | 91.52% | -161 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Redwood City, CA · Charter 62736 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 10 branches
Q2 2026
Return on Assets
0.97%
Rank 152 of 435
Net Interest Margin
3.28%
Rank 251 of 435
Efficiency Ratio
73.03%
Rank 242 of 435
Equity / Assets
13.01%
Rank 90 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.97% | 0.55% | 0.81% | 1.14% | Beats 65% | 152 / 435 | |
| Return on Equity | 7.43% | 5.12% | 7.41% | 9.70% | Beats 50% | 217 / 435 | |
| Net Interest Margin | 3.28% | 3.01% | 3.39% | 3.75% | Beats 42% | 251 / 435 | |
| Efficiency Ratio | 73.03% | 65.25% | 71.39% | 77.86% | Beats 45% | 242 / 435 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.50% | 0.45% | 0.69% | 1.05% | Beats 69% | 135 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 13.01% | 9.81% | 10.84% | 12.63% | Beats 79% | 90 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 13.01% | 9.81% | 10.84% | 12.63% | Beats 79% | 90 / 435 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 91.52% | 78.33% | 88.38% | 95.61% | 61st pctl | 171 / 435 | |
| Loans / Assets | 78.39% | 67.69% | 74.58% | 80.80% | 63rd pctl | 160 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||