Sunnyvale, CA · Charter 68465
NCUA · 7 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
89
Asset Quality
99
Profitability
3
Liquidity
66
Efficiency
5
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.
Sunnyvale, CA · Charter 68465
NCUA · 7 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 | 0.05% | 0.31% | 0.40% | 0.29% | 0.12% | +7 bps | |
| Return on Equity | 0.37% | 2.10% | 2.78% | 2.03% | 0.87% | +50 bps | |
| Net Interest Margin | 1.07% | 1.06% | 1.02% | 1.06% | 1.05% | -2 bps | |
| Efficiency Ratio | 92.56% | 71.45% | 62.80% | 75.25% | 86.08% | -648 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -10.87% | -7.93% | -1.16% | 3.59% | 9.79% | +2,065 bps | |
| Loan Growth (YoY) | 6.81% | 5.67% | 5.84% | 6.21% | 7.57% | +76 bps | |
| Share Growth (YoY) | 3.52% | 6.22% | 8.79% | 8.88% | 11.59% | +807 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.16% | 0.15% | 0.13% | 0.07% | 0.13% | -3 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 | 14.98% | 14.93% | 14.53% | 14.24% | 14.06% | -92 bps | |
| Net Worth / Assets | 14.98% | 14.93% | 14.53% | 14.24% | 14.06% | -92 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 83.48% | 81.88% | 80.53% | 79.74% | 80.47% | -301 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Sunnyvale, CA · Charter 68465 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 7 branches
Q2 2026
Return on Assets
0.12%
Rank 412 of 435
Net Interest Margin
1.05%
Rank 434 of 435
Efficiency Ratio
86.08%
Rank 413 of 435
Equity / Assets
14.06%
Rank 49 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.12% | 0.55% | 0.81% | 1.14% | Beats 5% | 412 / 435 | |
| Return on Equity | 0.87% | 5.12% | 7.41% | 9.70% | Beats 4% | 417 / 435 | |
| Net Interest Margin | 1.05% | 3.01% | 3.39% | 3.75% | Beats 0% | 434 / 435 | |
| Efficiency Ratio | 86.08% | 65.25% | 71.39% | 77.86% | Beats 5% | 413 / 435 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.13% | 0.45% | 0.69% | 1.05% | Beats 99% | 6 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 14.06% | 9.81% | 10.84% | 12.63% | Beats 89% | 49 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 14.06% | 9.81% | 10.84% | 12.63% | Beats 89% | 49 / 435 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 80.47% | 78.33% | 88.38% | 95.61% | 31st pctl | 302 / 435 | |
| Loans / Assets | 69.36% | 67.69% | 74.58% | 80.80% | 31st pctl | 300 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||