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 | |