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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |