Dublin, CA · Charter 68579
NCUA · 37 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 | 0.22% | 0.07% | 0.12% | 0.18% | 0.29% | 0.33% | 0.27% | 0.41% | +22 bps | |
| Return on Equity | 2.12% | 0.63% | 1.20% | 1.74% | 2.78% | 3.18% | 2.60% | 3.88% | +214 bps | |
| Net Interest Margin | 2.56% | 2.53% | 2.41% | 2.50% | 2.54% | 2.56% | 2.83% | 2.83% | +34 bps | |
| Efficiency Ratio | 72.12% | 76.47% | 74.36% | 75.57% | 73.81% | 73.48% | 71.82% | 70.33% | -525 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.13% | -3.09% | -3.08% | -1.89% | -0.07% | 2.42% | 1.51% | 3.88% | +577 bps | |
| Loan Growth (YoY) | 0.92% | 2.16% | 2.66% | 2.52% | 2.02% | 2.84% | 4.45% | 2.68% | +15 bps | |
| Share Growth (YoY) | -3.78% | -1.92% | -0.87% | -0.56% | 3.32% | 3.91% | 2.26% | 2.55% | +311 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.84% | 0.89% | 0.62% | 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 | 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 | 10.45% | 10.40% | 10.37% | 10.51% | 10.51% | 10.42% | 10.52% | 10.49% | -1 bps | |
| Net Worth / Assets | 10.45% | 10.40% | 10.37% | 10.51% | 10.51% | 10.42% | 10.52% | 10.49% | -1 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 87.36% | 86.73% | 83.89% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |