San Jose, CA · Charter 68540
NCUA · 6 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.86% | 0.87% | 0.07% | 0.28% | 0.45% | 0.55% | 0.34% | 0.40% | +12 bps | |
| Return on Equity | 9.34% | 8.96% | 0.77% | 2.94% | 4.71% | 5.74% | 3.51% | 4.13% | +119 bps | |
| Net Interest Margin | 2.92% | 3.07% | 2.93% | 3.05% | 3.09% | 3.14% | 3.31% | 3.39% | +33 bps | |
| Efficiency Ratio | 68.26% | 71.42% | 89.35% | 84.18% | 80.21% | 78.61% | 76.76% | 76.59% | -759 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.31% | -1.42% | -0.36% | 0.73% | 0.86% | 6.39% | 4.27% | 3.82% | +309 bps | |
| Loan Growth (YoY) | 0.33% | -2.24% | -2.19% | 0.11% | 5.74% | 8.00% | 9.12% | 8.98% | +887 bps | |
| Share Growth (YoY) | 0.74% | -0.26% | -0.24% | 0.59% | 0.26% | 3.60% | 4.13% | 4.17% | +358 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.41% | 0.55% | 0.22% | 0.31% | 0.22% | 0.38% | 0.23% | 0.25% | -6 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 | 9.21% | 9.76% | 9.50% | 9.51% | 9.60% | 9.66% | 9.65% | 9.71% | +20 bps | |
| Net Worth / Assets | 9.21% | 9.76% | 9.50% | 9.51% | 9.60% | 9.66% | 9.65% | 9.71% | +20 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 82.28% | 83.01% | 81.09% | 83.02% | 86.78% | 86.53% | 84.97% | 86.85% | +384 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |