Burlingame, CA · Charter 64892
NCUA · 1 branch
Q1 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2026, the quarter ended March 31, 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=23). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
83
Asset Quality
100
Profitability
13
Liquidity
0
Efficiency
26
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.
Burlingame, CA · Charter 64892
NCUA · 1 branch
Q1 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 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.49% | -0.78% | -0.86% | -0.15% | -1.86% | -0.89% | -0.80% | -1.03% | -88 bps | |
| Return on Equity | -2.45% | -3.65% | -4.09% | -0.92% | -10.81% | -4.99% | -4.30% | -5.55% | -462 bps | |
| Net Interest Margin | 0.56% | 0.54% | 0.60% | 0.29% | 0.24% | 0.35% | 0.97% | 2.57% | +228 bps | |
| Efficiency Ratio | 143.01% | 181.17% | 194.32% | 150.00% | 862% | n/a | 327% | 139.95% | -1,005 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -13.90% | -6.95% | -6.63% | 22.86% | 7.28% | 13.50% | 8.80% | -19.28% | -4,215 bps | |
| Loan Growth (YoY) | -26.53% | -24.11% | -42.49% | -50.49% | -97.49% | -100.00% | -100.00% | -100.00% | -4,951 bps | |
| Share Growth (YoY) | -15.51% | -7.83% | -7.83% | 29.08% | 10.81% | 18.16% | 12.33% | -21.63% | -5,071 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 100.00% | 100.00% | 100.00% | 100.00% | 0.00% | n/a | n/a | n/a | n/a | |
| 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 | 8.10% | 8.73% | 13.17% | 15.37% | 322% | n/a | n/a | n/a | n/a | |
| Capital | ||||||||||
| Risk-Based Capital | 19.96% | 21.39% | 21.12% | 15.79% | 17.17% | 17.93% | 18.61% | 18.54% | +275 bps | |
| Net Worth / Assets | 19.96% | 21.39% | 21.12% | 15.79% | 17.17% | 17.93% | 18.61% | 18.54% | +275 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 11.39% | 11.70% | 7.75% | 4.65% | 0.26% | 0.00% | 0.00% | 0.00% | -465 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Burlingame, CA · Charter 64892 · Peer group: credit unions under $1B in assets in the San Francisco-Oakland-Fremont, CA area (n=23)
NCUA · 1 branch
Q1 2026
Return on Assets
-1.56%
Rank 23 of 23
Net Interest Margin
3.11%
Rank 15 of 23
Efficiency Ratio
100.00%
Rank 19 of 23
Equity / Assets
18.68%
Rank 4 of 23
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -1.56% | -0.07% | 0.52% | 0.80% | Beats 0% | 23 / 23 | ||
| Return on Equity | -8.33% | -0.64% | 2.96% | 6.57% | Beats 4% | 22 / 23 | ||
| Net Interest Margin | 3.11% | 2.67% | 3.21% | 3.90% | Beats 35% | 15 / 23 | ||
| Efficiency Ratio | 100.00% | 67.71% | 82.50% | 97.19% | Beats 26% | 19 / 23 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | n/a | Not reported for this institution | ||||||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 18.54% | 10.55% | 12.21% | 17.47% | Beats 83% | 4 / 23 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 18.68% | 10.55% | 12.21% | 17.47% | Beats 83% | 4 / 23 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 0.00% | 39.69% | 52.02% | 61.86% | 0th pctl | 23 / 23 | ||
| Loans / Assets | 0.00% | 25.98% | 46.05% | 53.18% | 0th pctl | 23 / 23 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||