Keypoint
San Jose, CA · Charter 65299 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 8 branches
Q2 2026
$1.7BAssets
$1.3BLoans
$1.3BShares
$149.9MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 84% of credit unions $1B-$10B in assets (rank 69 of 435).
- Widest gap: return on assets trails 90% of credit unions $1B-$10B in assets (rank 391 of 435).
- Overall: at or above the peer median on 1 of 7 directional measures.
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 |