Pleasanton, CA · Charter 63958
NCUA · 8 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 | 0.63% | 0.65% | 0.51% | 1.00% | 0.91% | 0.85% | 0.77% | 0.75% | -25 bps | |
| Return on Equity | 5.59% | 5.67% | 4.47% | 8.49% | 7.64% | 7.12% | 6.38% | 6.15% | -233 bps | |
| Net Interest Margin | 3.19% | 3.21% | 3.29% | 3.32% | 3.33% | 3.31% | 3.45% | 3.46% | +14 bps | |
| Efficiency Ratio | 76.26% | 76.29% | 77.86% | 70.62% | 72.38% | 73.51% | 76.33% | 77.16% | +654 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.60% | -1.00% | -1.10% | 0.99% | 2.66% | 2.84% | 2.31% | 2.82% | +183 bps | |
| Loan Growth (YoY) | -3.40% | -5.17% | -4.07% | -3.71% | -3.24% | -2.63% | -3.99% | -2.36% | +135 bps | |
| Share Growth (YoY) | -4.98% | -1.34% | -1.94% | 0.22% | 2.11% | 2.11% | 1.73% | 2.52% | +230 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.29% | 0.32% | 0.25% | 0.19% | 0.24% | 0.23% | 0.14% | 0.25% | +6 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 | 11.34% | 11.43% | 11.44% | 11.79% | 11.86% | 11.92% | 12.05% | 12.16% | +37 bps | |
| Net Worth / Assets | 11.34% | 11.43% | 11.44% | 11.79% | 11.86% | 11.92% | 12.05% | 12.16% | +37 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.25% | 78.32% | 77.62% | 77.28% | 76.05% | 74.69% | 73.26% | 73.60% | -368 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |