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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |