PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Arize

State College, PA · Charter 24187

NCUA · 3 branches

Q2 2026

$175.9MAssets
$120.9MLoans
$162.6MShares
$13.8MNet 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 0.19%, down 4 bps year over year; NIM at 4.08%.
  • Asset quality: problem loans at 2.12% of loans (-54 bps YoY).
  • Capital: net worth / assets of 7.82%, down 69 bps from a year ago.
  • Funding: loans stand at 74.34% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.19%-4 bps YoY

Net Interest Margin (YTD, annualized)

4.08%+3 bps YoY

Efficiency Ratio (YTD, annualized)

80.26%-481 bps YoY

Net Worth / Assets

7.82%-69 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.23%0.29%0.44%0.59%0.19%-4 bps
Return on Equity2.72%3.76%5.45%7.23%2.44%-28 bps
Net Interest Margin4.06%3.79%3.98%4.04%4.08%+3 bps
Efficiency Ratio85.07%81.75%80.39%79.96%80.26%-481 bps
Growth
Asset Growth (YoY)2.34%14.15%6.59%6.56%8.37%+603 bps
Loan Growth (YoY)7.78%7.22%7.75%5.64%8.18%+40 bps
Share Growth (YoY)2.77%14.63%6.06%6.68%8.52%+575 bps
Asset Quality
Delinquent Loans / Loans2.66%2.61%2.75%1.70%2.12%-54 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 Capital8.52%7.71%8.14%8.14%7.82%-69 bps
Net Worth / Assets8.52%7.71%8.14%8.14%7.82%-69 bps
Liquidity & Funding
Loans / Shares74.57%69.53%72.51%71.18%74.34%-23 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps