San Francisco, CA · Charter 97069
NCUA · 3 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 | 0.34% | 0.48% | 0.51% | 0.24% | 0.78% | +43 bps | |
| Return on Equity | 3.42% | 4.57% | 4.90% | 2.28% | 7.32% | +390 bps | |
| Net Interest Margin | 3.02% | 3.12% | 3.08% | 3.23% | 3.16% | +14 bps | |
| Efficiency Ratio | 85.96% | 83.27% | 82.59% | 96.07% | 82.62% | -334 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.22% | -5.38% | -0.96% | -1.96% | 0.34% | +455 bps | |
| Loan Growth (YoY) | -6.81% | -6.12% | -4.28% | -0.68% | 2.72% | +954 bps | |
| Share Growth (YoY) | 2.81% | -2.63% | -2.87% | -2.97% | -0.38% | -319 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.05% | 10.42% | 10.38% | 10.50% | 10.63% | +58 bps | |
| Net Worth / Assets | 10.05% | 10.42% | 10.38% | 10.50% | 10.63% | +58 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |