San Jose, CA · Charter 65299
NCUA · 8 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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
11
Asset Quality
84
Profitability
17
Liquidity
28
Efficiency
30
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 65299
NCUA · 8 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 | 0.38% | 0.31% | 0.25% | 0.35% | 0.29% | -9 bps | |
| Return on Equity | 4.04% | 3.42% | 2.88% | 4.00% | 3.25% | -78 bps | |
| Net Interest Margin | 2.70% | 2.68% | 2.70% | 2.97% | 3.05% | +35 bps | |
| Efficiency Ratio | 79.90% | 81.47% | 81.92% | 75.50% | 76.33% | -357 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.30% | -0.58% | 4.72% | 5.56% | 3.61% | +690 bps | |
| Loan Growth (YoY) | -1.36% | 0.30% | 3.80% | 3.72% | 5.30% | +666 bps | |
| Share Growth (YoY) | 0.68% | 2.33% | 1.70% | 1.33% | 0.52% | -16 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.28% | 0.26% | 0.34% | 0.39% | 0.36% | +8 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 | 9.42% | 9.17% | 8.79% | 8.76% | 9.06% | -35 bps | |
| Net Worth / Assets | 9.42% | 9.17% | 8.79% | 8.76% | 9.06% | -35 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 93.91% | 92.90% | 94.77% | 92.46% | 98.38% | +447 bps | |
| Liquid Assets / Assets | 98.96% | 0.00% | 0.00% | 0.00% | 0.00% | -9,896 bps | |
San Jose, CA · Charter 65299 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 8 branches
Q2 2026
Return on Assets
0.29%
Rank 391 of 435
Net Interest Margin
3.05%
Rank 315 of 435
Efficiency Ratio
76.33%
Rank 304 of 435
Equity / Assets
9.06%
Rank 386 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.29% | 0.55% | 0.81% | 1.14% | Beats 10% | 391 / 435 | |
| Return on Equity | 3.25% | 5.12% | 7.41% | 9.70% | Beats 13% | 378 / 435 | |
| Net Interest Margin | 3.05% | 3.01% | 3.39% | 3.75% | Beats 28% | 315 / 435 | |
| Efficiency Ratio | 76.33% | 65.25% | 71.39% | 77.86% | Beats 30% | 304 / 435 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.36% | 0.45% | 0.69% | 1.05% | Beats 84% | 69 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.06% | 9.81% | 10.84% | 12.63% | Beats 11% | 386 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.06% | 9.81% | 10.84% | 12.63% | Beats 11% | 386 / 435 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 98.38% | 78.33% | 88.38% | 95.61% | 80th pctl | 85 / 435 | |
| Loans / Assets | 79.90% | 67.69% | 74.58% | 80.80% | 69th pctl | 134 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||