PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Rim Country

Snowflake, AZ · Charter 16190

NCUA · 1 branch

Q2 2026

$24.6MAssets
$13.7MLoans
$21.4MShares
$3.2MNet Worth

Executive Summary

  • Earnings: ROA of 0.65%, down 29 bps year over year; NIM at 4.48%.
  • Asset quality: problem loans at 1.33% of loans (+55 bps YoY).
  • Capital: net worth / assets of 12.87%, up 97 bps from a year ago.
  • Funding: loans stand at 64.03% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.65%-29 bps YoY

Net Interest Margin (YTD, annualized)

4.48%+25 bps YoY

Efficiency Ratio (YTD, annualized)

86.19%+740 bps YoY

Net Worth / Assets

12.87%+97 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.51%0.64%0.94%0.94%0.96%0.83%0.61%0.65%-29 bps
Return on Equity4.28%5.37%7.70%7.89%8.09%6.88%4.88%5.08%-281 bps
Net Interest Margin4.00%3.96%4.28%4.23%4.23%4.34%4.41%4.48%+25 bps
Efficiency Ratio71.94%72.94%78.95%78.79%78.30%80.66%86.66%86.19%+740 bps
Growth
Asset Growth (YoY)0.12%7.49%7.58%13.04%9.92%5.50%4.53%-1.90%-1,494 bps
Loan Growth (YoY)-14.38%-12.72%-7.62%0.35%2.38%5.51%3.50%-1.37%-172 bps
Share Growth (YoY)-1.65%6.77%6.98%12.67%9.53%4.78%3.75%-3.21%-1,588 bps
Asset Quality
Delinquent Loans / Loans0.70%0.69%0.63%0.77%1.21%1.66%1.26%1.33%+55 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.97%11.90%12.21%11.90%11.85%12.12%12.46%12.87%+97 bps
Net Worth / Assets11.97%11.90%12.21%11.90%11.85%12.12%12.46%12.87%+97 bps
Liquidity & Funding
Loans / Shares64.97%61.95%63.33%62.83%60.73%62.38%63.17%64.03%+119 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps