Hayward, CA · Charter 68316
NCUA · 1 branch
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
55
Asset Quality
36
Profitability
80
Liquidity
70
Efficiency
64
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.
Hayward, CA · Charter 68316
NCUA · 1 branch
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 | 1.53% | 1.55% | 1.46% | 1.13% | 0.99% | -54 bps | |
| Return on Equity | 13.41% | 13.07% | 12.04% | 9.22% | 7.76% | -564 bps | |
| Net Interest Margin | 4.98% | 5.05% | 5.03% | 4.81% | 4.90% | -7 bps | |
| Efficiency Ratio | 69.94% | 70.44% | 71.29% | 75.44% | 76.95% | +701 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.15% | 1.51% | 3.31% | 0.95% | -0.96% | -311 bps | |
| Loan Growth (YoY) | 3.98% | 7.30% | 6.80% | 3.85% | 0.18% | -380 bps | |
| Share Growth (YoY) | 0.93% | 0.06% | 2.04% | -0.51% | -2.30% | -323 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.71% | 1.69% | 0.80% | 0.58% | 0.86% | +15 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 | 11.40% | 11.89% | 12.14% | 12.30% | 12.70% | +130 bps | |
| Net Worth / Assets | 11.40% | 11.89% | 12.14% | 12.30% | 12.70% | +130 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 44.34% | 45.86% | 45.66% | 44.86% | 45.46% | +112 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Hayward, CA · Charter 68316 · Peer group: credit unions under $1B in assets in the San Francisco-Oakland-Fremont, CA area (n=22)
NCUA · 1 branch
Q2 2026
Return on Assets
0.99%
Rank 6 of 22
Net Interest Margin
4.90%
Rank 2 of 22
Efficiency Ratio
76.94%
Rank 9 of 22
Equity / Assets
12.70%
Rank 10 of 22
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.99% | -0.03% | 0.55% | 0.99% | Beats 73% | 6 / 22 | |
| Return on Equity | 7.77% | -0.26% | 3.68% | 6.84% | Beats 77% | 5 / 22 | |
| Net Interest Margin | 4.90% | 2.64% | 3.38% | 3.88% | Beats 91% | 2 / 22 | |
| Efficiency Ratio | 76.94% | 71.26% | 81.14% | 99.76% | Beats 64% | 9 / 22 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.86% | 0.03% | 0.56% | 1.15% | Beats 36% | 15 / 22 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 12.70% | 10.74% | 12.65% | 15.23% | Beats 55% | 10 / 22 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 12.70% | 10.74% | 12.65% | 15.23% | Beats 55% | 10 / 22 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 45.46% | 45.93% | 53.20% | 62.68% | 18th pctl | 18 / 22 | |
| Loans / Assets | 39.51% | 34.22% | 45.72% | 53.73% | 27th pctl | 16 / 22 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||