San Jose, CA · Charter 68394
NCUA · 16 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |