Sunnyvale, CA · Charter 68465
NCUA · 7 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 | 0.29% | 0.36% | -0.10% | 0.05% | 0.31% | 0.40% | 0.29% | 0.12% | +7 bps | |
| Return on Equity | 2.14% | 2.55% | -0.70% | 0.37% | 2.10% | 2.78% | 2.03% | 0.87% | +50 bps | |
| Net Interest Margin | 0.73% | 0.78% | 0.97% | 1.07% | 1.06% | 1.02% | 1.06% | 1.05% | -2 bps | |
| Efficiency Ratio | 63.09% | 57.18% | 108.14% | 92.56% | 71.45% | 62.80% | 75.25% | 86.08% | -648 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.05% | -4.47% | -7.37% | -10.87% | -7.93% | -1.16% | 3.59% | 9.79% | +2,065 bps | |
| Loan Growth (YoY) | 5.33% | 5.17% | 7.46% | 6.81% | 5.67% | 5.84% | 6.21% | 7.57% | +76 bps | |
| Share Growth (YoY) | -5.27% | -0.45% | 2.99% | 3.52% | 6.22% | 8.79% | 8.88% | 11.59% | +807 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.16% | 0.15% | 0.13% | 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 | 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 | 13.41% | 13.97% | 14.25% | 14.98% | 14.93% | 14.53% | 14.24% | 14.06% | -92 bps | |
| Net Worth / Assets | 13.41% | 13.97% | 14.25% | 14.98% | 14.93% | 14.53% | 14.24% | 14.06% | -92 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 82.30% | 82.77% | 81.75% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |