San Jose, CA · Charter 65299
NCUA · 8 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 | 0.35% | 0.25% | 0.59% | 0.38% | 0.31% | 0.25% | 0.35% | 0.29% | -9 bps | |
| Return on Equity | 3.83% | 2.75% | 6.33% | 4.04% | 3.42% | 2.88% | 4.00% | 3.25% | -78 bps | |
| Net Interest Margin | 2.47% | 2.56% | 2.65% | 2.70% | 2.68% | 2.70% | 2.97% | 3.05% | +35 bps | |
| Efficiency Ratio | 85.38% | 86.44% | 75.05% | 79.90% | 81.47% | 81.92% | 75.50% | 76.33% | -357 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.98% | -4.60% | -4.66% | -3.30% | -0.58% | 4.72% | 5.56% | 3.61% | +690 bps | |
| Loan Growth (YoY) | -2.83% | -3.02% | -2.46% | -1.36% | 0.30% | 3.80% | 3.72% | 5.30% | +666 bps | |
| Share Growth (YoY) | 2.00% | 2.74% | 2.39% | 0.68% | 2.33% | 1.70% | 1.33% | 0.52% | -16 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.41% | 0.36% | 0.25% | 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 | 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 | 9.15% | 9.20% | 9.29% | 9.42% | 9.17% | 8.79% | 8.76% | 9.06% | -35 bps | |
| Net Worth / Assets | 9.15% | 9.20% | 9.29% | 9.42% | 9.17% | 8.79% | 8.76% | 9.06% | -35 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 94.78% | 92.85% | 90.33% | 93.91% | 92.90% | 94.77% | 92.46% | 98.38% | +447 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 99.72% | 98.96% | 0.00% | 0.00% | 0.00% | 0.00% | -9,896 bps | |