Glendale, AZ · Charter 12164
NCUA · 8 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 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
40
Asset Quality
85
Profitability
61
Liquidity
0
Efficiency
78
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.
Glendale, AZ · Charter 12164
NCUA · 8 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 | 0.94% | 0.65% | 0.48% | 1.09% | 1.26% | +31 bps | |
| Return on Equity | 7.78% | 5.36% | 4.06% | 9.29% | 10.50% | +272 bps | |
| Net Interest Margin | 2.98% | 3.06% | 3.10% | 3.12% | 3.12% | +14 bps | |
| Efficiency Ratio | 73.17% | 76.73% | 80.08% | 64.75% | 67.13% | -604 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 12.40% | 12.86% | 7.89% | 7.48% | 6.24% | -616 bps | |
| Loan Growth (YoY) | 11.02% | 13.58% | 9.68% | 11.23% | 14.38% | +336 bps | |
| Share Growth (YoY) | 12.88% | 13.80% | 8.19% | 7.94% | 6.23% | -665 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.16% | 0.13% | 0.16% | 0.24% | 0.11% | -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 | 12.14% | 12.06% | 11.95% | 11.73% | 11.97% | -17 bps | |
| Net Worth / Assets | 12.14% | 12.06% | 11.95% | 11.73% | 11.97% | -17 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 87.05% | 88.75% | 88.43% | 86.09% | 93.73% | +668 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Glendale, AZ · Charter 12164 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 8 branches
Q2 2026
Return on Assets
1.26%
Rank 371 of 1,683
Net Interest Margin
3.12%
Rank 1,381 of 1,683
Efficiency Ratio
67.12%
Rank 364 of 1,682
Equity / Assets
11.97%
Rank 1,002 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.26% | 0.35% | 0.74% | 1.18% | Beats 78% | 371 / 1,683 | |
| Return on Equity | 10.50% | 2.67% | 5.89% | 8.74% | Beats 86% | 236 / 1,681 | |
| Net Interest Margin | 3.12% | 3.31% | 3.82% | 4.32% | Beats 18% | 1,381 / 1,683 | |
| Efficiency Ratio | 67.12% | 68.91% | 78.20% | 86.93% | Beats 78% | 364 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.11% | 0.26% | 0.65% | 1.29% | Beats 85% | 245 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 11.97% | 10.44% | 12.89% | 16.53% | Beats 40% | 1,002 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 11.97% | 10.44% | 12.89% | 16.53% | Beats 40% | 1,002 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 93.73% | 52.61% | 69.38% | 83.50% | 92nd pctl | 141 / 1,683 | |
| Loans / Assets | 81.74% | 44.71% | 59.18% | 70.72% | 94th pctl | 106 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||