Tucson, AZ · Charter 24826
NCUA · 6 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
26
Asset Quality
21
Profitability
32
Liquidity
82
Efficiency
34
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.
Tucson, AZ · Charter 24826
NCUA · 6 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 | 0.60% | 0.47% | 1.46% | 0.68% | 0.44% | 0.57% | 1.00% | 0.42% | -26 bps | |
| Return on Equity | 5.74% | 4.50% | 14.34% | 6.76% | 4.33% | 5.43% | 9.61% | 4.01% | -275 bps | |
| Net Interest Margin | 3.37% | 3.38% | 3.34% | 3.34% | 3.41% | 3.43% | 3.45% | 3.50% | +16 bps | |
| Efficiency Ratio | 82.63% | 84.70% | 71.50% | 83.08% | 86.12% | 84.28% | 73.61% | 83.46% | +38 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.31% | -0.04% | 4.38% | 5.18% | 4.89% | 3.51% | 1.57% | -1.01% | -619 bps | |
| Loan Growth (YoY) | -4.66% | -4.90% | -4.53% | -0.60% | -4.63% | -4.30% | 2.82% | 2.65% | +325 bps | |
| Share Growth (YoY) | -0.72% | 0.02% | 3.92% | 4.97% | 5.18% | 2.49% | 1.22% | -1.35% | -632 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.45% | 1.76% | 1.12% | 1.13% | 1.48% | 1.84% | 1.35% | 1.51% | +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 | 10.37% | 10.33% | 10.20% | 10.10% | 10.18% | 10.48% | 10.43% | 10.57% | +47 bps | |
| Net Worth / Assets | 10.37% | 10.33% | 10.20% | 10.10% | 10.18% | 10.48% | 10.43% | 10.57% | +47 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.87% | 65.15% | 61.06% | 61.29% | 60.63% | 60.83% | 62.02% | 63.78% | +249 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 99.47% | 0.00% | 0 bps | |
Tucson, AZ · Charter 24826 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 6 branches
Q2 2026
Return on Assets
0.42%
Rank 1,206 of 1,683
Net Interest Margin
3.50%
Rank 1,122 of 1,683
Efficiency Ratio
83.45%
Rank 1,113 of 1,682
Equity / Assets
10.57%
Rank 1,245 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.42% | 0.35% | 0.74% | 1.18% | Beats 28% | 1,206 / 1,683 | ||
| Return on Equity | 4.01% | 2.67% | 5.89% | 8.74% | Beats 35% | 1,091 / 1,681 | ||
| Net Interest Margin | 3.50% | 3.31% | 3.82% | 4.32% | Beats 33% | 1,122 / 1,683 | ||
| Efficiency Ratio | 83.45% | 68.91% | 78.20% | 86.93% | Beats 34% | 1,113 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.51% | 0.26% | 0.65% | 1.29% | Beats 21% | 1,325 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.57% | 10.44% | 12.89% | 16.53% | Beats 26% | 1,245 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.57% | 10.44% | 12.89% | 16.53% | Beats 26% | 1,245 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 63.77% | 52.61% | 69.38% | 83.50% | 40th pctl | 1,003 / 1,683 | ||
| Loans / Assets | 57.95% | 44.71% | 59.18% | 70.72% | 47th pctl | 885 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||