PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Technology

San Jose, CA · Charter 68383

NCUA · 11 branches

Q2 2026

$4.5BAssets
$3.4BLoans
$3.6BShares
$513.8MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.11%, up 17 bps year over year; NIM at 2.57%.
  • Asset quality: problem loans at 0.57% of loans (-5 bps YoY).
  • Capital: net worth / assets of 11.32%, up 16 bps from a year ago.
  • Funding: loans stand at 93.17% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.11%+17 bps YoY

Net Interest Margin (YTD, annualized)

2.57%+34 bps YoY

Efficiency Ratio (YTD, annualized)

77.95%-391 bps YoY

Net Worth / Assets

11.32%+16 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.07%0.02%0.03%0.11%0.11%+17 bps
Return on Equity-0.58%0.16%0.26%1.01%0.95%+153 bps
Net Interest Margin2.23%2.31%2.30%2.48%2.57%+34 bps
Efficiency Ratio81.86%81.52%81.98%78.68%77.95%-391 bps
Growth
Asset Growth (YoY)-0.40%-4.58%-2.55%-0.11%-0.73%-34 bps
Loan Growth (YoY)0.39%1.29%3.47%4.13%-0.06%-46 bps
Share Growth (YoY)-2.62%-6.47%-4.40%-0.63%-0.73%+189 bps
Asset Quality
Delinquent Loans / Loans0.62%0.54%0.63%0.54%0.57%-5 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.16%11.31%11.00%11.01%11.32%+16 bps
Net Worth / Assets11.16%11.31%11.00%11.01%11.32%+16 bps
Liquidity & Funding
Loans / Shares92.54%93.58%91.74%91.18%93.17%+63 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps