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 | |