Redwood City, CA · Charter 66343
NCUA · 23 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 | 0.06% | 0.09% | 0.30% | 0.39% | 0.45% | 0.47% | 0.63% | 0.65% | +26 bps | |
| Return on Equity | 0.61% | 0.91% | 2.93% | 3.75% | 4.33% | 4.52% | 5.95% | 5.97% | +222 bps | |
| Net Interest Margin | 1.98% | 2.02% | 2.37% | 2.46% | 2.47% | 2.50% | 2.75% | 2.78% | +32 bps | |
| Efficiency Ratio | 95.68% | 94.40% | 88.14% | 85.67% | 84.04% | 83.44% | 79.49% | 79.60% | -607 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.19% | 1.40% | 2.29% | 1.76% | 3.04% | 1.95% | 0.69% | 0.51% | -125 bps | |
| Loan Growth (YoY) | 6.08% | 5.29% | 5.13% | 3.36% | 5.84% | 5.84% | 5.42% | 5.83% | +247 bps | |
| Share Growth (YoY) | -0.88% | 0.57% | 1.51% | 0.93% | 2.73% | 1.39% | 0.21% | 0.02% | -90 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.11% | 0.17% | 0.16% | 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 | 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 | 10.28% | 10.25% | 10.12% | 10.32% | 10.34% | 10.46% | 10.59% | 10.86% | +54 bps | |
| Net Worth / Assets | 10.28% | 10.25% | 10.12% | 10.32% | 10.34% | 10.46% | 10.59% | 10.86% | +54 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 83.89% | 83.53% | 83.34% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |