Burlingame, CA · Charter 65323
NCUA · 3 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 under $1B in assets in the San Francisco-Oakland-Fremont, CA area (n=22). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
36
Asset Quality
27
Profitability
67
Liquidity
74
Efficiency
50
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 65323
NCUA · 3 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 | 0.55% | 0.74% | 0.79% | 0.68% | 0.71% | +16 bps | |
| Return on Equity | 5.07% | 6.99% | 7.16% | 6.16% | 6.25% | +118 bps | |
| Net Interest Margin | 3.71% | 3.59% | 3.77% | 4.04% | 4.17% | +46 bps | |
| Efficiency Ratio | 82.03% | 79.62% | 79.60% | 83.40% | 81.11% | -92 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.44% | 0.24% | -0.38% | 2.01% | 2.89% | +1,133 bps | |
| Loan Growth (YoY) | -0.40% | 0.41% | 3.33% | 2.35% | 0.99% | +140 bps | |
| Share Growth (YoY) | -10.30% | -4.64% | -4.72% | -1.40% | -0.96% | +934 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.40% | 1.34% | 0.18% | 0.07% | 1.15% | +75 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 | 10.86% | 10.53% | 10.97% | 11.08% | 11.44% | +58 bps | |
| Net Worth / Assets | 10.86% | 10.53% | 10.97% | 11.08% | 11.44% | +58 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 61.47% | 60.55% | 62.65% | 61.86% | 62.68% | +121 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Burlingame, CA · Charter 65323 · Peer group: credit unions under $1B in assets in the San Francisco-Oakland-Fremont, CA area (n=22)
NCUA · 3 branches
Q2 2026
Return on Assets
0.71%
Rank 9 of 22
Net Interest Margin
4.17%
Rank 5 of 22
Efficiency Ratio
81.14%
Rank 12 of 22
Equity / Assets
11.44%
Rank 14 of 22
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.71% | -0.03% | 0.55% | 0.99% | Beats 59% | 9 / 22 | |
| Return on Equity | 6.24% | -0.26% | 3.68% | 6.84% | Beats 64% | 8 / 22 | |
| Net Interest Margin | 4.17% | 2.64% | 3.38% | 3.88% | Beats 77% | 5 / 22 | |
| Efficiency Ratio | 81.14% | 71.26% | 81.14% | 99.76% | Beats 50% | 12 / 22 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.15% | 0.03% | 0.56% | 1.15% | Beats 27% | 17 / 22 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 11.44% | 10.74% | 12.65% | 15.23% | Beats 36% | 14 / 22 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 11.44% | 10.74% | 12.65% | 15.23% | Beats 36% | 14 / 22 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 62.68% | 45.93% | 53.20% | 62.68% | 73rd pctl | 6 / 22 | |
| Loans / Assets | 53.73% | 34.22% | 45.72% | 53.73% | 73rd pctl | 6 / 22 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||