PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Avenir Financial

Yuma, AZ · Charter 4915

NCUA · 4 branches

Q2 2026

$400.9MAssets
$292.7MLoans
$307.6MShares
$51.2MNet Worth

Executive Summary

  • Earnings: ROA of 0.43%, up 17 bps year over year; NIM at 3.50%.
  • Asset quality: problem loans at 0.39% of loans (-123 bps YoY).
  • Capital: net worth / assets of 12.78%, down 337 bps from a year ago.
  • Funding: loans stand at 95.16% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.43%+17 bps YoY

Net Interest Margin (YTD, annualized)

3.50%+2 bps YoY

Efficiency Ratio (YTD, annualized)

85.05%-56 bps YoY

Net Worth / Assets

12.78%-337 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.55%0.20%0.23%0.26%0.20%-0.77%0.55%0.43%+17 bps
Return on Equity3.41%1.23%1.45%1.62%1.25%-5.32%3.74%3.40%+178 bps
Net Interest Margin3.56%3.65%3.37%3.48%3.44%3.49%3.56%3.50%+2 bps
Efficiency Ratio82.75%80.45%86.36%85.62%85.04%88.95%84.11%85.05%-56 bps
Growth
Asset Growth (YoY)-1.59%-6.16%-4.53%0.08%2.96%7.60%3.47%6.09%+601 bps
Loan Growth (YoY)4.03%-0.20%1.35%4.82%10.78%17.40%16.80%15.28%+1,046 bps
Share Growth (YoY)-0.81%2.54%3.52%3.56%4.25%5.13%4.99%7.09%+353 bps
Asset Quality
Delinquent Loans / Loans1.93%1.91%1.74%1.62%1.75%1.48%0.34%0.39%-123 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital16.23%16.54%15.91%16.15%15.67%14.57%14.66%12.78%-337 bps
Net Worth / Assets16.23%16.54%15.91%16.15%15.67%14.57%14.66%12.78%-337 bps
Liquidity & Funding
Loans / Shares90.22%87.28%84.85%88.40%95.88%97.47%94.40%95.16%+676 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps