Kingman, AZ · Charter 12000
NCUA · 1 branch
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 | 1.23% | 1.34% | 0.67% | 0.93% | 0.95% | 0.66% | 0.79% | 0.92% | -1 bps | |
| Return on Equity | 10.14% | 10.69% | 5.48% | 7.52% | 7.52% | 5.24% | 6.28% | 7.14% | -37 bps | |
| Net Interest Margin | 5.18% | 5.22% | 5.08% | 5.01% | 5.03% | 5.04% | 4.70% | 4.63% | -37 bps | |
| Efficiency Ratio | 61.33% | 61.00% | 61.09% | 59.93% | 59.33% | 59.87% | 64.29% | 64.64% | +472 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.01% | 2.35% | 1.62% | 5.76% | 5.15% | 4.08% | 2.27% | 0.90% | -487 bps | |
| Loan Growth (YoY) | -6.46% | -10.60% | -11.66% | -13.27% | -9.53% | -5.80% | -5.05% | -7.98% | +529 bps | |
| Share Growth (YoY) | 0.50% | 1.19% | 2.40% | 7.20% | 5.82% | 4.25% | 2.17% | 0.92% | -628 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.15% | 2.56% | 2.00% | 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 | 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 | 12.15% | 12.51% | 12.24% | 12.35% | 12.62% | 12.64% | 12.61% | 12.85% | +50 bps | |
| Net Worth / Assets | 12.15% | 12.51% | 12.24% | 12.35% | 12.62% | 12.64% | 12.61% | 12.85% | +50 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 74.30% | 71.14% | 64.67% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |