Prescott, AZ · Charter 2460
NCUA · 2 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
1
Asset Quality
62
Profitability
28
Liquidity
14
Efficiency
2
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.
Prescott, AZ · Charter 2460
NCUA · 2 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.70% | -1.04% | 0.01% | -1.27% | -1.26% | -1.53% | -2.61% | -1.87% | -60 bps | |
| Return on Equity | -7.81% | -12.33% | 0.15% | -14.91% | -15.26% | -22.27% | -40.59% | -30.80% | -1,589 bps | |
| Net Interest Margin | 4.01% | 4.01% | 4.38% | 4.48% | 4.65% | 4.15% | 4.20% | 4.50% | +2 bps | |
| Efficiency Ratio | 119.28% | 121.32% | 119.61% | 129.75% | 125.76% | 130.33% | 139.29% | 128.27% | -147 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.58% | 3.44% | 2.02% | -3.63% | -7.89% | 0.46% | -0.46% | 7.10% | +1,073 bps | |
| Loan Growth (YoY) | -12.84% | -8.40% | -11.62% | -8.02% | 5.33% | 15.12% | 20.42% | 29.37% | +3,739 bps | |
| Share Growth (YoY) | -0.34% | 5.00% | 2.69% | -7.30% | -7.72% | 0.48% | 1.52% | 10.73% | +1,803 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.05% | 0.63% | 0.67% | 0.09% | 0.83% | 1.19% | 0.89% | 0.46% | +37 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.00% | 8.42% | 8.62% | 8.52% | 8.27% | 6.86% | 6.43% | 6.06% | -246 bps | |
| Net Worth / Assets | 9.00% | 8.42% | 8.62% | 8.52% | 8.27% | 6.86% | 6.43% | 6.06% | -246 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 34.68% | 34.48% | 34.62% | 36.76% | 39.59% | 39.50% | 41.07% | 42.95% | +619 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Prescott, AZ · Charter 2460 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
-1.87%
Rank 1,645 of 1,683
Net Interest Margin
4.49%
Rank 336 of 1,683
Efficiency Ratio
128.80%
Rank 1,655 of 1,682
Equity / Assets
6.07%
Rank 1,668 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -1.87% | 0.35% | 0.74% | 1.18% | Beats 2% | 1,645 / 1,683 | ||
| Return on Equity | -30.77% | 2.67% | 5.89% | 8.74% | Beats 1% | 1,665 / 1,681 | ||
| Net Interest Margin | 4.49% | 3.31% | 3.82% | 4.32% | Beats 80% | 336 / 1,683 | ||
| Efficiency Ratio | 128.80% | 68.91% | 78.20% | 86.93% | Beats 2% | 1,655 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.47% | 0.26% | 0.65% | 1.29% | Beats 62% | 645 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 6.07% | 10.44% | 12.89% | 16.53% | Beats 1% | 1,668 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 6.07% | 10.44% | 12.89% | 16.53% | Beats 1% | 1,668 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 42.96% | 52.61% | 69.38% | 83.50% | 14th pctl | 1,448 / 1,683 | ||
| Loans / Assets | 40.22% | 44.71% | 59.18% | 70.72% | 19th pctl | 1,361 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||