PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Aero

Glendale, AZ · Charter 12164

NCUA · 8 branches

Q2 2026

$364.4MAssets
$297.8MLoans
$317.8MShares
$43.6MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.26%, up 31 bps year over year; NIM at 3.12%.
  • Asset quality: problem loans at 0.11% of loans (-5 bps YoY).
  • Capital: net worth / assets of 11.97%, down 17 bps from a year ago.
  • Funding: loans stand at 93.73% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.26%+31 bps YoY

Net Interest Margin (YTD, annualized)

3.12%+14 bps YoY

Efficiency Ratio (YTD, annualized)

67.13%-604 bps YoY

Net Worth / Assets

11.97%-17 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.94%0.65%0.48%1.09%1.26%+31 bps
Return on Equity7.78%5.36%4.06%9.29%10.50%+272 bps
Net Interest Margin2.98%3.06%3.10%3.12%3.12%+14 bps
Efficiency Ratio73.17%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 / Loans0.16%0.13%0.16%0.24%0.11%-5 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.14%12.06%11.95%11.73%11.97%-17 bps
Net Worth / Assets12.14%12.06%11.95%11.73%11.97%-17 bps
Liquidity & Funding
Loans / Shares87.05%88.75%88.43%86.09%93.73%+668 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps