San Jose, CA · Charter 68441
NCUA · 6 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 under $1B in assets in CA (n=62 to 63). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
3
Asset Quality
42
Profitability
30
Liquidity
58
Efficiency
33
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 68441
NCUA · 6 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.09% | 0.08% | -0.04% | -0.20% | 0.03% | -6 bps | |
| Return on Equity | 1.22% | 1.15% | -0.54% | -2.83% | 0.40% | -82 bps | |
| Net Interest Margin | 3.67% | 3.63% | 3.63% | 3.67% | 3.73% | +6 bps | |
| Efficiency Ratio | 86.00% | 86.03% | 87.92% | 89.06% | 85.43% | -57 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -10.39% | -5.81% | -1.22% | -0.58% | 0.36% | +1,075 bps | |
| Loan Growth (YoY) | -7.44% | -4.75% | -2.56% | -1.64% | 0.24% | +768 bps | |
| Share Growth (YoY) | -4.43% | -1.47% | 1.73% | 1.94% | 4.08% | +851 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.23% | 1.13% | 1.08% | 0.92% | 0.54% | -69 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.14% | 7.11% | 6.98% | 6.96% | 6.89% | -24 bps | |
| Net Worth / Assets | 7.14% | 7.11% | 6.98% | 6.96% | 6.89% | -24 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 83.43% | 81.82% | 78.94% | 78.49% | 80.35% | -307 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
San Jose, CA · Charter 68441 · Peer group: credit unions under $1B in assets in CA (n=62-63)
NCUA · 6 branches
Q2 2026
Return on Assets
0.03%
Rank 54 of 63
Net Interest Margin
3.73%
Rank 25 of 63
Efficiency Ratio
85.43%
Rank 43 of 63
Equity / Assets
6.89%
Rank 61 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.03% | 0.17% | 0.56% | 1.17% | Beats 14% | 54 / 63 | |
| Return on Equity | 0.40% | 1.81% | 4.79% | 8.64% | Beats 16% | 53 / 63 | |
| Net Interest Margin | 3.73% | 3.18% | 3.49% | 3.98% | Beats 60% | 25 / 63 | |
| Efficiency Ratio | 85.43% | 70.58% | 81.25% | 89.21% | Beats 33% | 43 / 63 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.54% | 0.17% | 0.42% | 0.85% | Beats 42% | 37 / 62 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 6.89% | 8.61% | 10.56% | 14.01% | Beats 3% | 61 / 63 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 6.89% | 8.61% | 10.56% | 14.01% | Beats 3% | 61 / 63 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 80.35% | 53.46% | 72.75% | 85.33% | 65th pctl | 22 / 62 | |
| Loans / Assets | 75.28% | 46.35% | 58.08% | 72.17% | 86th pctl | 9 / 63 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||