Flagstaff, AZ · Charter 10335
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 | 0.53% | 0.72% | 1.02% | 0.85% | 0.73% | +20 bps | |
| Return on Equity | 5.27% | 7.08% | 9.69% | 7.98% | 6.71% | +144 bps | |
| Net Interest Margin | 3.99% | 3.99% | 3.99% | 4.00% | 4.13% | +14 bps | |
| Efficiency Ratio | 75.74% | 76.18% | 74.54% | 75.79% | 73.34% | -240 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.58% | 3.72% | 5.35% | 3.86% | 3.09% | +51 bps | |
| Loan Growth (YoY) | -2.40% | -2.88% | -2.11% | -1.50% | -2.05% | +35 bps | |
| Share Growth (YoY) | 2.74% | 3.51% | 4.76% | 2.78% | 2.53% | -20 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.26% | 0.32% | 0.27% | 0.20% | 0.09% | -17 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 | 10.03% | 10.19% | 10.51% | 10.67% | 10.86% | +82 bps | |
| Net Worth / Assets | 10.03% | 10.19% | 10.51% | 10.67% | 10.86% | +82 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 54.91% | 54.25% | 53.84% | 52.73% | 52.45% | -245 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |