Redwood City, CA · Charter 62736
NCUA · 10 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.07% | 1.10% | 0.96% | 1.01% | 1.05% | 1.11% | 0.96% | 0.97% | -5 bps | |
| Return on Equity | 8.53% | 8.68% | 7.62% | 7.98% | 8.15% | 8.56% | 7.43% | 7.43% | -55 bps | |
| Net Interest Margin | 3.21% | 3.21% | 3.18% | 3.20% | 3.23% | 3.24% | 3.31% | 3.28% | +8 bps | |
| Efficiency Ratio | 70.70% | 70.32% | 72.78% | 71.85% | 71.04% | 70.09% | 73.80% | 73.03% | +118 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.92% | 4.99% | 5.59% | 5.58% | 5.86% | 6.26% | 5.87% | 6.10% | +52 bps | |
| Loan Growth (YoY) | 4.66% | 4.34% | 4.77% | 3.67% | 3.64% | 4.79% | 4.90% | 3.97% | +30 bps | |
| Share Growth (YoY) | 2.57% | 4.79% | 5.34% | 5.18% | 5.55% | 5.86% | 5.77% | 5.80% | +63 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.50% | 0.36% | 0.37% | 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 | 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 | 12.51% | 12.69% | 12.57% | 12.72% | 12.83% | 13.00% | 12.92% | 13.01% | +29 bps | |
| Net Worth / Assets | 12.51% | 12.69% | 12.57% | 12.72% | 12.83% | 13.00% | 12.92% | 13.01% | +29 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 94.02% | 94.62% | 91.93% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |