Snowflake, AZ · Charter 16190
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.94% | 0.96% | 0.83% | 0.61% | 0.65% | -29 bps | |
| Return on Equity | 7.89% | 8.09% | 6.88% | 4.88% | 5.08% | -281 bps | |
| Net Interest Margin | 4.23% | 4.23% | 4.34% | 4.41% | 4.48% | +25 bps | |
| Efficiency Ratio | 78.79% | 78.30% | 80.66% | 86.66% | 86.19% | +740 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 13.04% | 9.92% | 5.50% | 4.53% | -1.90% | -1,494 bps | |
| Loan Growth (YoY) | 0.35% | 2.38% | 5.51% | 3.50% | -1.37% | -172 bps | |
| Share Growth (YoY) | 12.67% | 9.53% | 4.78% | 3.75% | -3.21% | -1,588 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.77% | 1.21% | 1.66% | 1.26% | 1.33% | +55 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 | 11.90% | 11.85% | 12.12% | 12.46% | 12.87% | +97 bps | |
| Net Worth / Assets | 11.90% | 11.85% | 12.12% | 12.46% | 12.87% | +97 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 62.83% | 60.73% | 62.38% | 63.17% | 64.03% | +119 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |