San Mateo City Employees San Mateo, CA · Charter 6326 · Peer group: credit unions under $1B in assets in the San Francisco-Oakland-Fremont, CA area (n=22)
NCUA · 3 branches
Q2 2026
$31.8M Assets
$4.7M Loans
$25.9M Shares
$5.8M Net Worth
Executive Summary Strongest standing: nonperforming loans / loans outperforms 100% of credit unions under $1B in assets in the San Francisco-Oakland-Fremont, CA area (rank 4 of 22). Widest gap: net interest margin trails 95% of credit unions under $1B in assets in the San Francisco-Oakland-Fremont, CA area (rank 21 of 22). Overall: at or above the peer median on 4 of 7 directional measures. Return on Assets
0.35%
Rank 12 of 22
Net Interest Margin
1.60%
Rank 21 of 22
Efficiency Ratio
74.12%
Rank 8 of 22
Equity / Assets
18.36%
Rank 5 of 22
Metric Your Credit Union Peer 25th Peer Median Peer 75th Standing Rank Peer Position Earnings Return on Assets 0.35% -0.03% 0.55% 0.99% Beats 45% 12 / 22 Return on Equity 1.88% -0.26% 3.68% 6.84% Beats 36% 14 / 22 Net Interest Margin 1.60% 2.64% 3.38% 3.88% Beats 5% 21 / 22 Efficiency Ratio 74.12% 71.26% 81.14% 99.76% Beats 68% 8 / 22 Asset Quality Nonperforming Loans / Loans 0.00% 0.03% 0.56% 1.15% Beats 100% 4 / 22 Net Charge-Offs / Loans n/a Not reported for this institution Capital Tier 1 Capital Ratio 18.36% 10.74% 12.65% 15.23% Beats 77% 5 / 22 Total Risk-Based Capital Ratio n/a Not reported for this institution Equity / Assets 18.36% 10.74% 12.65% 15.23% Beats 77% 5 / 22 Liquidity & Funding Loans / Deposits 18.20% 45.93% 53.20% 62.68% 5th pctl 21 / 22 Loans / Assets 14.82% 34.22% 45.72% 53.73% 5th pctl 21 / 22 Brokered Deposits / Deposits n/a Not reported for this institution
Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Peer statistics computed across credit unions under $1B in assets in the San Francisco-Oakland-Fremont, CA area; percentile is the share of peers with a lower reported value. Each ratio is ranked only among the institutions that reported it, so the denominator in the Rank column varies by measure. Income-statement figures on this page are year-to-date as filed, annualized, because the peer percentiles are computed on that basis. Performance Trends defaults to the discrete quarter, so the same measure can read differently there in any quarter but the first, where year-to-date and the quarter cover the same period. Peer comparisons use ratios standardized identically across all institutions and can differ from as-filed figures. Subchapter S banks are restated to an after-tax equivalent at 21.50%, the median effective tax rate of the 2,758 C-corporation banks filing for this quarter. The rate is recomputed each quarter, and C-corporation figures are unchanged. Peer groups below the disclosure floor are suppressed.
CallReports · callreports.ai · Peer Comparison Generated 2026-10-11