San Mateo, CA · Charter 6326
NCUA · 3 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 | -0.25% | -0.23% | 0.14% | -0.13% | 0.26% | 0.29% | 0.19% | 0.34% | +47 bps | |
| Return on Equity | -1.58% | -1.46% | 0.90% | -0.76% | 1.44% | 1.56% | 1.08% | 1.87% | +263 bps | |
| Net Interest Margin | 0.63% | 0.70% | 1.09% | 1.21% | 1.31% | 1.42% | 1.44% | 1.60% | +39 bps | |
| Efficiency Ratio | 139.37% | 133.24% | 86.01% | 81.89% | 87.26% | 84.82% | 82.54% | 74.18% | -771 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.07% | -5.88% | -2.90% | -6.10% | -9.19% | -11.06% | -8.83% | -8.44% | -234 bps | |
| Loan Growth (YoY) | -3.63% | -8.44% | -10.78% | -11.40% | -15.37% | -12.80% | -10.80% | -13.05% | -165 bps | |
| Share Growth (YoY) | -9.29% | -6.71% | -2.68% | -7.35% | -11.13% | -13.52% | -10.73% | -10.31% | -296 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 7.65% | 6.70% | 7.24% | 3.64% | 3.96% | 1.09% | 0.72% | 0.00% | -364 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 | 1.31% | 1.40% | 1.49% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.81% | 15.96% | 15.70% | 16.73% | 17.71% | 18.27% | 17.47% | 18.36% | +163 bps | |
| Net Worth / Assets | 15.81% | 15.96% | 15.70% | 16.73% | 17.71% | 18.27% | 17.47% | 18.36% | +163 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 20.44% | 19.46% | 18.13% | 18.77% | 19.47% | 19.62% | 18.12% | 18.20% | -57 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |