Burlingame, CA · Charter 65323
NCUA · 3 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.29% | 0.41% | 0.49% | 0.55% | 0.74% | 0.79% | 0.68% | 0.71% | +16 bps | |
| Return on Equity | 2.91% | 4.00% | 4.63% | 5.07% | 6.99% | 7.16% | 6.16% | 6.25% | +118 bps | |
| Net Interest Margin | 3.17% | 3.34% | 3.58% | 3.71% | 3.59% | 3.77% | 4.04% | 4.17% | +46 bps | |
| Efficiency Ratio | 86.25% | 83.78% | 83.01% | 82.03% | 79.62% | 79.60% | 83.40% | 81.11% | -92 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.10% | -0.18% | -4.82% | -8.44% | 0.24% | -0.38% | 2.01% | 2.89% | +1,133 bps | |
| Loan Growth (YoY) | 3.03% | 0.36% | 0.78% | -0.40% | 0.41% | 3.33% | 2.35% | 0.99% | +140 bps | |
| Share Growth (YoY) | -0.39% | -1.22% | -6.62% | -10.30% | -4.64% | -4.72% | -1.40% | -0.96% | +934 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.20% | 0.14% | 0.19% | 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 | 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 | 9.87% | 10.20% | 10.50% | 10.86% | 10.53% | 10.97% | 11.08% | 11.44% | +58 bps | |
| Net Worth / Assets | 9.87% | 10.20% | 10.50% | 10.86% | 10.53% | 10.97% | 11.08% | 11.44% | +58 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 57.51% | 57.77% | 59.60% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |