San Jose, CA · Charter 64835
NCUA · 4 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.84% | 0.74% | 0.78% | 0.53% | 0.68% | -16 bps | |
| Return on Equity | 4.76% | 4.15% | 4.34% | 2.96% | 3.68% | -108 bps | |
| Net Interest Margin | 3.48% | 3.47% | 3.41% | 3.37% | 3.38% | -10 bps | |
| Efficiency Ratio | 64.22% | 67.31% | 65.55% | 71.92% | 71.74% | +751 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.12% | 0.57% | 2.92% | 0.33% | -0.52% | -41 bps | |
| Loan Growth (YoY) | -0.38% | 2.78% | 0.37% | 5.40% | -0.05% | +33 bps | |
| Share Growth (YoY) | -1.14% | -0.13% | 1.63% | -0.92% | -1.90% | -76 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 17.67% | 17.75% | 17.88% | 18.07% | 18.47% | +80 bps | |
| Net Worth / Assets | 17.67% | 17.75% | 17.88% | 18.07% | 18.47% | +80 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |