Yuma, AZ · Charter 4915
NCUA · 4 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
49
Asset Quality
67
Profitability
31
Liquidity
0
Efficiency
30
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.
Yuma, AZ · Charter 4915
NCUA · 4 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.26% | 0.20% | -0.77% | 0.55% | 0.43% | +17 bps | |
| Return on Equity | 1.62% | 1.25% | -5.32% | 3.74% | 3.40% | +178 bps | |
| Net Interest Margin | 3.48% | 3.44% | 3.49% | 3.56% | 3.50% | +2 bps | |
| Efficiency Ratio | 85.62% | 85.04% | 88.95% | 84.11% | 85.05% | -56 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.08% | 2.96% | 7.60% | 3.47% | 6.09% | +601 bps | |
| Loan Growth (YoY) | 4.82% | 10.78% | 17.40% | 16.80% | 15.28% | +1,046 bps | |
| Share Growth (YoY) | 3.56% | 4.25% | 5.13% | 4.99% | 7.09% | +353 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.62% | 1.75% | 1.48% | 0.34% | 0.39% | -123 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.15% | 15.67% | 14.57% | 14.66% | 12.78% | -337 bps | |
| Net Worth / Assets | 16.15% | 15.67% | 14.57% | 14.66% | 12.78% | -337 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 88.40% | 95.88% | 97.47% | 94.40% | 95.16% | +676 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Yuma, AZ · Charter 4915 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 4 branches
Q2 2026
Return on Assets
0.43%
Rank 1,197 of 1,683
Net Interest Margin
3.50%
Rank 1,124 of 1,683
Efficiency Ratio
85.05%
Rank 1,186 of 1,682
Equity / Assets
12.78%
Rank 860 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.43% | 0.35% | 0.74% | 1.18% | Beats 29% | 1,197 / 1,683 | |
| Return on Equity | 3.40% | 2.67% | 5.89% | 8.74% | Beats 31% | 1,163 / 1,681 | |
| Net Interest Margin | 3.50% | 3.31% | 3.82% | 4.32% | Beats 33% | 1,124 / 1,683 | |
| Efficiency Ratio | 85.05% | 68.91% | 78.20% | 86.93% | Beats 30% | 1,186 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.39% | 0.26% | 0.65% | 1.29% | Beats 67% | 561 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 12.78% | 10.44% | 12.89% | 16.53% | Beats 49% | 860 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 12.78% | 10.44% | 12.89% | 16.53% | Beats 49% | 860 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 95.16% | 52.61% | 69.38% | 83.50% | 93rd pctl | 114 / 1,683 | |
| Loans / Assets | 73.01% | 44.71% | 59.18% | 70.72% | 80th pctl | 338 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||