San Jose, CA · Charter 68383
NCUA · 11 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
60
Asset Quality
63
Profitability
6
Liquidity
66
Efficiency
25
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.
San Jose, CA · Charter 68383
NCUA · 11 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 | 0.08% | 0.02% | -0.06% | -0.07% | 0.02% | 0.03% | 0.11% | 0.11% | +17 bps | |
| Return on Equity | 0.70% | 0.17% | -0.58% | -0.58% | 0.16% | 0.26% | 1.01% | 0.95% | +153 bps | |
| Net Interest Margin | 2.18% | 2.13% | 2.10% | 2.23% | 2.31% | 2.30% | 2.48% | 2.57% | +34 bps | |
| Efficiency Ratio | 78.06% | 79.12% | 84.70% | 81.86% | 81.52% | 81.98% | 78.68% | 77.95% | -391 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.04% | -1.19% | 1.67% | -0.40% | -4.58% | -2.55% | -0.11% | -0.73% | -34 bps | |
| Loan Growth (YoY) | -6.54% | -6.53% | -4.58% | 0.39% | 1.29% | 3.47% | 4.13% | -0.06% | -46 bps | |
| Share Growth (YoY) | 3.62% | 5.49% | -2.09% | -2.62% | -6.47% | -4.40% | -0.63% | -0.73% | +189 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.62% | 0.76% | 0.59% | 0.62% | 0.54% | 0.63% | 0.54% | 0.57% | -5 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 | 10.85% | 10.73% | 10.97% | 11.16% | 11.31% | 11.00% | 11.01% | 11.32% | +16 bps | |
| Net Worth / Assets | 10.85% | 10.73% | 10.97% | 11.16% | 11.31% | 11.00% | 11.01% | 11.32% | +16 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 86.41% | 84.76% | 87.01% | 92.54% | 93.58% | 91.74% | 91.18% | 93.17% | +63 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
San Jose, CA · Charter 68383 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 11 branches
Q2 2026
Return on Assets
0.11%
Rank 416 of 435
Net Interest Margin
2.57%
Rank 392 of 435
Efficiency Ratio
77.95%
Rank 329 of 435
Equity / Assets
11.32%
Rank 176 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.11% | 0.55% | 0.81% | 1.14% | Beats 4% | 416 / 435 | ||
| Return on Equity | 0.95% | 5.12% | 7.41% | 9.70% | Beats 5% | 415 / 435 | ||
| Net Interest Margin | 2.57% | 3.01% | 3.39% | 3.75% | Beats 10% | 392 / 435 | ||
| Efficiency Ratio | 77.95% | 65.25% | 71.39% | 77.86% | Beats 25% | 329 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.57% | 0.45% | 0.69% | 1.05% | Beats 63% | 164 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.32% | 9.81% | 10.84% | 12.63% | Beats 60% | 176 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.32% | 9.81% | 10.84% | 12.63% | Beats 60% | 176 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 93.17% | 78.33% | 88.38% | 95.61% | 66th pctl | 148 / 435 | ||
| Loans / Assets | 74.84% | 67.69% | 74.58% | 80.80% | 51st pctl | 215 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||