PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Star One

Sunnyvale, CA · Charter 68465

NCUA · 7 branches

Q2 2026

$9.7BAssets
$6.7BLoans
$8.4BShares
$1.4BNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.12%, up 7 bps year over year; NIM at 1.05%.
  • Asset quality: problem loans at 0.13% of loans (-3 bps YoY).
  • Capital: net worth / assets of 14.06%, down 92 bps from a year ago.
  • Funding: loans stand at 80.47% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.12%+7 bps YoY

Net Interest Margin (quarter, annualized)

1.05%-2 bps YoY

Efficiency Ratio (quarter, annualized)

86.08%-648 bps YoY

Net Worth / Assets

14.06%-92 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.05%0.31%0.40%0.29%0.12%+7 bps
Return on Equity0.37%2.10%2.78%2.03%0.87%+50 bps
Net Interest Margin1.07%1.06%1.02%1.06%1.05%-2 bps
Efficiency Ratio92.56%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 / Loans0.16%0.15%0.13%0.07%0.13%-3 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital14.98%14.93%14.53%14.24%14.06%-92 bps
Net Worth / Assets14.98%14.93%14.53%14.24%14.06%-92 bps
Liquidity & Funding
Loans / Shares83.48%81.88%80.53%79.74%80.47%-301 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps