Livermore, CA · Charter 64482
NCUA · 5 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 under $1B in assets in the San Francisco-Oakland-Fremont, CA area (n=22). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
5
Asset Quality
45
Profitability
56
Liquidity
0
Efficiency
59
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.
Livermore, CA · Charter 64482
NCUA · 5 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 | 0.33% | 0.32% | -0.34% | -0.21% | 0.16% | 0.20% | 0.13% | 0.29% | +50 bps | |
| Return on Equity | 4.20% | 4.01% | -4.46% | -2.92% | 2.07% | 2.59% | 1.61% | 3.53% | +645 bps | |
| Net Interest Margin | 3.24% | 3.37% | 3.68% | 3.70% | 3.78% | 3.87% | 4.10% | 4.20% | +49 bps | |
| Efficiency Ratio | 75.76% | 75.85% | 84.47% | 77.11% | 74.26% | 75.10% | 86.43% | 78.18% | +106 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.41% | 2.98% | 6.52% | 6.16% | 2.26% | 1.25% | -2.09% | -7.48% | -1,364 bps | |
| Loan Growth (YoY) | 4.90% | 7.35% | 6.86% | 10.33% | 5.83% | 1.06% | -1.44% | -7.71% | -1,804 bps | |
| Share Growth (YoY) | 7.91% | 3.85% | 4.12% | 0.76% | -3.08% | -2.79% | -1.52% | -4.60% | -536 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.47% | 0.92% | 0.68% | 0.87% | 1.00% | 1.11% | 0.67% | 0.60% | -27 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 | 7.74% | 7.88% | 7.69% | 7.26% | 7.51% | 7.73% | 7.92% | 8.28% | +102 bps | |
| Net Worth / Assets | 7.74% | 7.88% | 7.69% | 7.26% | 7.51% | 7.73% | 7.92% | 8.28% | +102 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 90.52% | 93.03% | 94.61% | 97.98% | 98.84% | 96.71% | 94.70% | 94.78% | -319 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Livermore, CA · Charter 64482 · Peer group: credit unions under $1B in assets in the San Francisco-Oakland-Fremont, CA area (n=22)
NCUA · 5 branches
Q2 2026
Return on Assets
0.29%
Rank 13 of 22
Net Interest Margin
4.20%
Rank 4 of 22
Efficiency Ratio
78.18%
Rank 10 of 22
Equity / Assets
8.28%
Rank 21 of 22
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.29% | -0.03% | 0.55% | 0.99% | Beats 41% | 13 / 22 | ||
| Return on Equity | 3.53% | -0.26% | 3.68% | 6.84% | Beats 45% | 12 / 22 | ||
| Net Interest Margin | 4.20% | 2.64% | 3.38% | 3.88% | Beats 82% | 4 / 22 | ||
| Efficiency Ratio | 78.18% | 71.26% | 81.14% | 99.76% | Beats 59% | 10 / 22 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.60% | 0.03% | 0.56% | 1.15% | Beats 45% | 13 / 22 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 8.28% | 10.74% | 12.65% | 15.23% | Beats 5% | 21 / 22 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 8.28% | 10.74% | 12.65% | 15.23% | Beats 5% | 21 / 22 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 94.78% | 45.93% | 53.20% | 62.68% | 91st pctl | 2 / 22 | ||
| Loans / Assets | 85.35% | 34.22% | 45.72% | 53.73% | 95th pctl | 1 / 22 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||