Technology
San Jose, CA · Charter 68383 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 11 branches
Q2 2026
$4.5BAssets
$3.4BLoans
$3.6BShares
$513.8MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 63% of credit unions $1B-$10B in assets (rank 164 of 435).
- Widest gap: return on assets trails 96% of credit unions $1B-$10B in assets (rank 416 of 435).
- Overall: at or above the peer median on 3 of 7 directional measures.
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 | 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 |