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 | |