Redwood City, CA · Charter 66343
NCUA · 23 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
51
Asset Quality
100
Profitability
27
Liquidity
83
Efficiency
17
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.
Redwood City, CA · Charter 66343
NCUA · 23 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 | 0.39% | 0.45% | 0.47% | 0.63% | 0.65% | +26 bps | |
| Return on Equity | 3.75% | 4.33% | 4.52% | 5.95% | 5.97% | +222 bps | |
| Net Interest Margin | 2.46% | 2.47% | 2.50% | 2.75% | 2.78% | +32 bps | |
| Efficiency Ratio | 85.67% | 84.04% | 83.44% | 79.49% | 79.60% | -607 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.76% | 3.04% | 1.95% | 0.69% | 0.51% | -125 bps | |
| Loan Growth (YoY) | 3.36% | 5.84% | 5.84% | 5.42% | 5.83% | +247 bps | |
| Share Growth (YoY) | 0.93% | 2.73% | 1.39% | 0.21% | 0.02% | -90 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.09% | 0.13% | 0.12% | 0.08% | 0.07% | -2 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 | 10.32% | 10.34% | 10.46% | 10.59% | 10.86% | +54 bps | |
| Net Worth / Assets | 10.32% | 10.34% | 10.46% | 10.59% | 10.86% | +54 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 85.83% | 86.43% | 87.19% | 87.67% | 90.80% | +498 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Redwood City, CA · Charter 66343 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 23 branches
Q2 2026
Return on Assets
0.65%
Rank 295 of 435
Net Interest Margin
2.78%
Rank 371 of 435
Efficiency Ratio
79.60%
Rank 361 of 435
Equity / Assets
10.86%
Rank 214 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.65% | 0.55% | 0.81% | 1.14% | Beats 32% | 295 / 435 | |
| Return on Equity | 5.97% | 5.12% | 7.41% | 9.70% | Beats 34% | 287 / 435 | |
| Net Interest Margin | 2.78% | 3.01% | 3.39% | 3.75% | Beats 15% | 371 / 435 | |
| Efficiency Ratio | 79.60% | 65.25% | 71.39% | 77.86% | Beats 17% | 361 / 435 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.07% | 0.45% | 0.69% | 1.05% | Beats 100% | 3 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.86% | 9.81% | 10.84% | 12.63% | Beats 51% | 214 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.86% | 9.81% | 10.84% | 12.63% | Beats 51% | 214 / 435 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 90.80% | 78.33% | 88.38% | 95.61% | 58th pctl | 181 / 435 | |
| Loans / Assets | 79.54% | 67.69% | 74.58% | 80.80% | 68th pctl | 140 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||