Dublin, CA · Charter 68579
NCUA · 37 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
40
Asset Quality
27
Profitability
16
Liquidity
91
Efficiency
55
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.
Dublin, CA · Charter 68579
NCUA · 37 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 | 0.18% | 0.29% | 0.33% | 0.27% | 0.41% | +22 bps | |
| Return on Equity | 1.74% | 2.78% | 3.18% | 2.60% | 3.88% | +214 bps | |
| Net Interest Margin | 2.50% | 2.54% | 2.56% | 2.83% | 2.83% | +34 bps | |
| Efficiency Ratio | 75.57% | 73.81% | 73.48% | 71.82% | 70.33% | -525 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.89% | -0.07% | 2.42% | 1.51% | 3.88% | +577 bps | |
| Loan Growth (YoY) | 2.52% | 2.02% | 2.84% | 4.45% | 2.68% | +15 bps | |
| Share Growth (YoY) | -0.56% | 3.32% | 3.91% | 2.26% | 2.55% | +311 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.66% | 0.70% | 0.77% | 0.62% | 1.03% | +37 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 | 10.51% | 10.51% | 10.42% | 10.52% | 10.49% | -1 bps | |
| Net Worth / Assets | 10.51% | 10.51% | 10.42% | 10.52% | 10.49% | -1 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 86.17% | 86.26% | 85.84% | 85.69% | 86.28% | +11 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Dublin, CA · Charter 68579 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 37 branches
Q2 2026
Return on Assets
0.41%
Rank 366 of 435
Net Interest Margin
2.83%
Rank 364 of 435
Efficiency Ratio
70.33%
Rank 198 of 435
Equity / Assets
10.49%
Rank 259 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.41% | 0.55% | 0.81% | 1.14% | Beats 16% | 366 / 435 | |
| Return on Equity | 3.88% | 5.12% | 7.41% | 9.70% | Beats 17% | 360 / 435 | |
| Net Interest Margin | 2.83% | 3.01% | 3.39% | 3.75% | Beats 16% | 364 / 435 | |
| Efficiency Ratio | 70.33% | 65.25% | 71.39% | 77.86% | Beats 55% | 198 / 435 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.03% | 0.45% | 0.69% | 1.05% | Beats 27% | 320 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.49% | 9.81% | 10.84% | 12.63% | Beats 40% | 259 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.49% | 9.81% | 10.84% | 12.63% | Beats 40% | 259 / 435 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 86.28% | 78.33% | 88.38% | 95.61% | 44th pctl | 243 / 435 | |
| Loans / Assets | 72.61% | 67.69% | 74.58% | 80.80% | 41st pctl | 255 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||