San Jose, CA · Charter 68441
NCUA · 6 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 | -2.17% | -1.71% | 0.20% | 0.09% | 0.08% | -0.04% | -0.20% | 0.03% | -6 bps | |
| Return on Equity | -31.73% | -24.12% | 2.81% | 1.22% | 1.15% | -0.54% | -2.83% | 0.40% | -82 bps | |
| Net Interest Margin | 3.32% | 3.47% | 3.53% | 3.67% | 3.63% | 3.63% | 3.67% | 3.73% | +6 bps | |
| Efficiency Ratio | 122.15% | 116.08% | 84.26% | 86.00% | 86.03% | 87.92% | 89.06% | 85.43% | -57 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.87% | -10.95% | -10.01% | -10.39% | -5.81% | -1.22% | -0.58% | 0.36% | +1,075 bps | |
| Loan Growth (YoY) | -8.96% | -9.78% | -9.84% | -7.44% | -4.75% | -2.56% | -1.64% | 0.24% | +768 bps | |
| Share Growth (YoY) | -1.24% | -0.43% | -2.44% | -4.43% | -1.47% | 1.73% | 1.94% | 4.08% | +851 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.94% | 1.05% | 0.85% | 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 | 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 | 6.83% | 7.08% | 7.21% | 7.14% | 7.11% | 6.98% | 6.96% | 6.89% | -24 bps | |
| Net Worth / Assets | 6.83% | 7.08% | 7.21% | 7.14% | 7.11% | 6.98% | 6.96% | 6.89% | -24 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 84.63% | 82.42% | 81.34% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |