Kingman, AZ · Charter 12000
NCUA · 1 branch
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 under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
49
Asset Quality
16
Profitability
69
Liquidity
60
Efficiency
83
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.
Kingman, AZ · Charter 12000
NCUA · 1 branch
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 | 0.93% | 0.95% | 0.66% | 0.79% | 0.92% | -1 bps | |
| Return on Equity | 7.52% | 7.52% | 5.24% | 6.28% | 7.14% | -37 bps | |
| Net Interest Margin | 5.01% | 5.03% | 5.04% | 4.70% | 4.63% | -37 bps | |
| Efficiency Ratio | 59.93% | 59.33% | 59.87% | 64.29% | 64.64% | +472 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.76% | 5.15% | 4.08% | 2.27% | 0.90% | -487 bps | |
| Loan Growth (YoY) | -13.27% | -9.53% | -5.80% | -5.05% | -7.98% | +529 bps | |
| Share Growth (YoY) | 7.20% | 5.82% | 4.25% | 2.17% | 0.92% | -628 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.51% | 2.62% | 3.59% | 1.61% | 1.81% | -70 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 | 12.35% | 12.62% | 12.64% | 12.61% | 12.85% | +50 bps | |
| Net Worth / Assets | 12.35% | 12.62% | 12.64% | 12.61% | 12.85% | +50 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 62.68% | 63.52% | 64.28% | 60.10% | 57.15% | -553 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Kingman, AZ · Charter 12000 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.92%
Rank 659 of 1,683
Net Interest Margin
4.64%
Rank 271 of 1,683
Efficiency Ratio
64.61%
Rank 282 of 1,682
Equity / Assets
12.85%
Rank 852 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.92% | 0.35% | 0.74% | 1.18% | Beats 61% | 659 / 1,683 | |
| Return on Equity | 7.15% | 2.67% | 5.89% | 8.74% | Beats 63% | 630 / 1,681 | |
| Net Interest Margin | 4.64% | 3.31% | 3.82% | 4.32% | Beats 84% | 271 / 1,683 | |
| Efficiency Ratio | 64.61% | 68.91% | 78.20% | 86.93% | Beats 83% | 282 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.81% | 0.26% | 0.65% | 1.29% | Beats 16% | 1,412 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 12.85% | 10.44% | 12.89% | 16.53% | Beats 49% | 852 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 12.85% | 10.44% | 12.89% | 16.53% | Beats 49% | 852 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 57.15% | 52.61% | 69.38% | 83.50% | 31st pctl | 1,165 / 1,683 | |
| Loans / Assets | 50.13% | 44.71% | 59.18% | 70.72% | 34th pctl | 1,118 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||