Avenir Financial
Yuma, AZ · Charter 4915 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 4 branches
Q2 2026
$400.9MAssets
$292.7MLoans
$307.6MShares
$51.2MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 67% of credit unions under $1B in assets (rank 561 of 1682).
- Widest gap: return on assets trails 71% of credit unions under $1B in assets (rank 1197 of 1683).
- Overall: at or above the peer median on 1 of 7 directional measures.
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 |