San Jose, CA · Charter 68394
NCUA · 16 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
13
Asset Quality
40
Profitability
7
Liquidity
64
Efficiency
6
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 68394
NCUA · 16 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 | 0.27% | 0.26% | 0.11% | 0.09% | 0.07% | -0.14% | 0.03% | 0.11% | +3 bps | |
| Return on Equity | 2.98% | 2.84% | 1.23% | 0.94% | 0.76% | -1.61% | 0.38% | 1.24% | +30 bps | |
| Net Interest Margin | 2.55% | 2.55% | 2.51% | 2.54% | 2.52% | 2.51% | 2.56% | 2.67% | +13 bps | |
| Efficiency Ratio | 84.32% | 81.16% | 88.16% | 89.81% | 90.93% | 90.91% | 86.46% | 85.76% | -405 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.77% | -4.37% | -3.18% | -3.23% | 0.86% | 2.07% | 1.79% | 0.35% | +358 bps | |
| Loan Growth (YoY) | -7.10% | -5.32% | -3.69% | -1.35% | -0.39% | -2.81% | -4.55% | -3.46% | -211 bps | |
| Share Growth (YoY) | -6.52% | -5.61% | -3.69% | -3.12% | 1.51% | 4.34% | 3.89% | 1.42% | +455 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.45% | 0.78% | 1.05% | 1.05% | 1.13% | 1.18% | 1.02% | 0.81% | -23 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 | 9.15% | 9.28% | 9.18% | 9.31% | 9.18% | 8.94% | 8.86% | 9.12% | -19 bps | |
| Net Worth / Assets | 9.15% | 9.28% | 9.18% | 9.31% | 9.18% | 8.94% | 8.86% | 9.12% | -19 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 98.15% | 99.59% | 97.77% | 98.08% | 96.31% | 92.76% | 89.83% | 93.35% | -472 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 68394 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 16 branches
Q2 2026
Return on Assets
0.11%
Rank 414 of 435
Net Interest Margin
2.67%
Rank 383 of 435
Efficiency Ratio
85.76%
Rank 410 of 435
Equity / Assets
9.12%
Rank 380 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 5% | 414 / 435 | ||
| Return on Equity | 1.24% | 5.12% | 7.41% | 9.70% | Beats 5% | 414 / 435 | ||
| Net Interest Margin | 2.67% | 3.01% | 3.39% | 3.75% | Beats 12% | 383 / 435 | ||
| Efficiency Ratio | 85.76% | 65.25% | 71.39% | 77.86% | Beats 6% | 410 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.81% | 0.45% | 0.69% | 1.05% | Beats 40% | 263 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.12% | 9.81% | 10.84% | 12.63% | Beats 13% | 380 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.12% | 9.81% | 10.84% | 12.63% | Beats 13% | 380 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 93.35% | 78.33% | 88.38% | 95.61% | 67th pctl | 143 / 435 | ||
| Loans / Assets | 75.06% | 67.69% | 74.58% | 80.80% | 52nd pctl | 209 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||