PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Uncle

Livermore, CA · Charter 64482

NCUA · 5 branches

Q2 2026

$716.1MAssets
$611.2MLoans
$644.9MShares
$59.3MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.29%, up 50 bps year over year; NIM at 4.20%.
  • Asset quality: problem loans at 0.60% of loans (-27 bps YoY).
  • Capital: net worth / assets of 8.28%, up 102 bps from a year ago.
  • Funding: loans stand at 94.78% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.29%+50 bps YoY

Net Interest Margin (YTD, annualized)

4.20%+49 bps YoY

Efficiency Ratio (YTD, annualized)

78.18%+106 bps YoY

Net Worth / Assets

8.28%+102 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.21%0.16%0.20%0.13%0.29%+50 bps
Return on Equity-2.92%2.07%2.59%1.61%3.53%+645 bps
Net Interest Margin3.70%3.78%3.87%4.10%4.20%+49 bps
Efficiency Ratio77.11%74.26%75.10%86.43%78.18%+106 bps
Growth
Asset Growth (YoY)6.16%2.26%1.25%-2.09%-7.48%-1,364 bps
Loan Growth (YoY)10.33%5.83%1.06%-1.44%-7.71%-1,804 bps
Share Growth (YoY)0.76%-3.08%-2.79%-1.52%-4.60%-536 bps
Asset Quality
Delinquent Loans / Loans0.87%1.00%1.11%0.67%0.60%-27 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital7.26%7.51%7.73%7.92%8.28%+102 bps
Net Worth / Assets7.26%7.51%7.73%7.92%8.28%+102 bps
Liquidity & Funding
Loans / Shares97.98%98.84%96.71%94.70%94.78%-319 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps