PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Pyramid

Tucson, AZ · Charter 24826

NCUA · 6 branches

Q2 2026

$247.9MAssets
$143.6MLoans
$225.2MShares
$26.2MNet 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 0.42%, down 26 bps year over year; NIM at 3.50%.
  • Asset quality: problem loans at 1.51% of loans (+37 bps YoY).
  • Capital: net worth / assets of 10.57%, up 47 bps from a year ago.
  • Funding: loans stand at 63.78% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.42%-26 bps YoY

Net Interest Margin (YTD, annualized)

3.50%+16 bps YoY

Efficiency Ratio (YTD, annualized)

83.46%+38 bps YoY

Net Worth / Assets

10.57%+47 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.68%0.44%0.57%1.00%0.42%-26 bps
Return on Equity6.76%4.33%5.43%9.61%4.01%-275 bps
Net Interest Margin3.34%3.41%3.43%3.45%3.50%+16 bps
Efficiency Ratio83.08%86.12%84.28%73.61%83.46%+38 bps
Growth
Asset Growth (YoY)5.18%4.89%3.51%1.57%-1.01%-619 bps
Loan Growth (YoY)-0.60%-4.63%-4.30%2.82%2.65%+325 bps
Share Growth (YoY)4.97%5.18%2.49%1.22%-1.35%-632 bps
Asset Quality
Delinquent Loans / Loans1.13%1.48%1.84%1.35%1.51%+37 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 Capital10.10%10.18%10.48%10.43%10.57%+47 bps
Net Worth / Assets10.10%10.18%10.48%10.43%10.57%+47 bps
Liquidity & Funding
Loans / Shares61.29%60.63%60.83%62.02%63.78%+249 bps
Liquid Assets / Assets0.00%0.00%0.00%99.47%0.00%0 bps