San Jose, CA · Charter 64835
NCUA · 4 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
82
Asset Quality
32
Profitability
52
Liquidity
95
Efficiency
73
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.
San Jose, CA · Charter 64835
NCUA · 4 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 | 0.47% | 0.49% | 0.26% | 0.84% | 0.74% | 0.78% | 0.53% | 0.68% | -16 bps | |
| Return on Equity | 2.72% | 2.77% | 1.48% | 4.76% | 4.15% | 4.34% | 2.96% | 3.68% | -108 bps | |
| Net Interest Margin | 3.36% | 3.43% | 3.35% | 3.48% | 3.47% | 3.41% | 3.37% | 3.38% | -10 bps | |
| Efficiency Ratio | 70.62% | 68.79% | 73.91% | 64.22% | 67.31% | 65.55% | 71.92% | 71.74% | +751 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.34% | -1.36% | 0.37% | -0.12% | 0.57% | 2.92% | 0.33% | -0.52% | -41 bps | |
| Loan Growth (YoY) | 3.95% | 1.39% | 0.29% | -0.38% | 2.78% | 0.37% | 5.40% | -0.05% | +33 bps | |
| Share Growth (YoY) | -2.13% | -2.61% | -0.93% | -1.14% | -0.13% | 1.63% | -0.92% | -1.90% | -76 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.24% | 1.30% | 0.65% | 0.97% | 1.03% | 1.14% | 0.98% | 1.05% | +7 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 | 17.17% | 17.60% | 17.27% | 17.67% | 17.75% | 17.88% | 18.07% | 18.47% | +80 bps | |
| Net Worth / Assets | 17.17% | 17.60% | 17.27% | 17.67% | 17.75% | 17.88% | 18.07% | 18.47% | +80 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 53.67% | 54.95% | 53.46% | 53.99% | 55.23% | 54.26% | 56.88% | 55.02% | +102 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
San Jose, CA · Charter 64835 · Peer group: credit unions under $1B in assets in the San Francisco-Oakland-Fremont, CA area (n=22)
NCUA · 4 branches
Q2 2026
Return on Assets
0.68%
Rank 10 of 22
Net Interest Margin
3.38%
Rank 11 of 22
Efficiency Ratio
71.73%
Rank 7 of 22
Equity / Assets
18.47%
Rank 4 of 22
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.68% | -0.03% | 0.55% | 0.99% | Beats 55% | 10 / 22 | ||
| Return on Equity | 3.68% | -0.26% | 3.68% | 6.84% | Beats 50% | 11 / 22 | ||
| Net Interest Margin | 3.38% | 2.64% | 3.38% | 3.88% | Beats 50% | 11 / 22 | ||
| Efficiency Ratio | 71.73% | 71.26% | 81.14% | 99.76% | Beats 73% | 7 / 22 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.05% | 0.03% | 0.56% | 1.15% | Beats 32% | 16 / 22 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 18.47% | 10.74% | 12.65% | 15.23% | Beats 82% | 4 / 22 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 18.47% | 10.74% | 12.65% | 15.23% | Beats 82% | 4 / 22 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 55.02% | 45.93% | 53.20% | 62.68% | 55th pctl | 10 / 22 | ||
| Loans / Assets | 45.72% | 34.22% | 45.72% | 53.73% | 50th pctl | 11 / 22 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||