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San Jose, CA · Charter 68441 · Peer group: credit unions under $1B in assets in CA (n=62-63)
NCUA · 6 branches
Q2 2026
$613.8MAssets
$462.1MLoans
$575.0MShares
$42.3MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 60% of credit unions under $1B in assets in CA (rank 25 of 63).
- Widest gap: equity / assets trails 97% of credit unions under $1B in assets in CA (rank 61 of 63).
- Overall: at or above the peer median on 1 of 7 directional measures.
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 |