San Francisco, CA · Charter 97069
NCUA · 3 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
45
Asset Quality
65
Profitability
43
Liquidity
42
Efficiency
11
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.
San Francisco, CA · Charter 97069
NCUA · 3 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 | 0.43% | 0.50% | 0.17% | 0.34% | 0.48% | 0.51% | 0.24% | 0.78% | +43 bps | |
| Return on Equity | 4.55% | 5.05% | 1.71% | 3.42% | 4.57% | 4.90% | 2.28% | 7.32% | +390 bps | |
| Net Interest Margin | 2.73% | 2.84% | 2.93% | 3.02% | 3.12% | 3.08% | 3.23% | 3.16% | +14 bps | |
| Efficiency Ratio | 81.69% | 80.90% | 89.66% | 85.96% | 83.27% | 82.59% | 96.07% | 82.62% | -334 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.65% | -7.31% | -5.95% | -4.22% | -5.38% | -0.96% | -1.96% | 0.34% | +455 bps | |
| Loan Growth (YoY) | -6.23% | -6.75% | -6.80% | -6.81% | -6.12% | -4.28% | -0.68% | 2.72% | +954 bps | |
| Share Growth (YoY) | 1.67% | 4.97% | 4.83% | 2.81% | -2.63% | -2.87% | -2.97% | -0.38% | -319 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.06% | 0.82% | 0.83% | 0.50% | 0.77% | 0.80% | 0.80% | 0.54% | +5 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 | 9.47% | 9.89% | 9.88% | 10.05% | 10.42% | 10.38% | 10.50% | 10.63% | +58 bps | |
| Net Worth / Assets | 9.47% | 9.89% | 9.88% | 10.05% | 10.42% | 10.38% | 10.50% | 10.63% | +58 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.38% | 73.68% | 72.23% | 72.55% | 73.64% | 72.61% | 73.93% | 74.82% | +226 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
San Francisco, CA · Charter 97069 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 3 branches
Q2 2026
Return on Assets
0.78%
Rank 231 of 435
Net Interest Margin
3.16%
Rank 286 of 435
Efficiency Ratio
82.62%
Rank 390 of 435
Equity / Assets
10.63%
Rank 240 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.78% | 0.55% | 0.81% | 1.14% | Beats 47% | 231 / 435 | ||
| Return on Equity | 7.32% | 5.12% | 7.41% | 9.70% | Beats 49% | 222 / 435 | ||
| Net Interest Margin | 3.16% | 3.01% | 3.39% | 3.75% | Beats 34% | 286 / 435 | ||
| Efficiency Ratio | 82.62% | 65.25% | 71.39% | 77.86% | Beats 11% | 390 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.54% | 0.45% | 0.69% | 1.05% | Beats 65% | 152 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.63% | 9.81% | 10.84% | 12.63% | Beats 45% | 240 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.63% | 9.81% | 10.84% | 12.63% | Beats 45% | 240 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 74.82% | 78.33% | 88.38% | 95.61% | 19th pctl | 351 / 435 | ||
| Loans / Assets | 67.51% | 67.69% | 74.58% | 80.80% | 24th pctl | 332 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||