PackageTrendsPeer
Letter portraitLegal landscape

Cochise

Willcox, AZ · Charter 60151

NCUA · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets3

Basis

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.

Peer group

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.

Peer standing

Capital

80

Q2 2024Q2 2026peer median (50)

Asset Quality

25

Q2 2024Q2 2026peer median (50)

Profitability

84

Q2 2024Q2 2026peer median (50)

Liquidity

63

Q2 2024Q2 2026peer median

Efficiency

92

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Cochise

Willcox, AZ · Charter 60151

NCUA · 1 branch

Q2 2026

$74.5MAssets
$47.6MLoans
$61.2MShares
$13.2MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 2.01%, down 56 bps year over year; NIM at 4.18%.
  • Asset quality: problem loans at 1.29% of loans (+47 bps YoY).
  • Capital: net worth / assets of 17.73%, up 160 bps from a year ago.
  • Funding: loans stand at 77.83% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.01%-56 bps YoY

Net Interest Margin (YTD, annualized)

4.18%+19 bps YoY

Efficiency Ratio (YTD, annualized)

56.08%+544 bps YoY

Net Worth / Assets

17.73%+160 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.57%2.33%2.26%1.67%2.01%-56 bps
Return on Equity15.92%14.07%13.27%10.02%11.31%-461 bps
Net Interest Margin3.98%4.04%4.06%3.96%4.18%+19 bps
Efficiency Ratio50.64%53.78%54.13%60.44%56.08%+544 bps
Growth
Asset Growth (YoY)16.63%10.68%9.14%6.70%2.35%-1,427 bps
Loan Growth (YoY)4.39%2.27%1.83%2.37%1.20%-319 bps
Share Growth (YoY)16.93%9.79%7.95%5.35%0.35%-1,659 bps
Asset Quality
Delinquent Loans / Loans0.82%0.78%1.08%1.05%1.29%+47 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital16.13%16.53%17.00%16.64%17.73%+160 bps
Net Worth / Assets16.13%16.53%17.00%16.64%17.73%+160 bps
Liquidity & Funding
Loans / Shares77.17%76.99%77.17%73.26%77.83%+66 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Cochise

Willcox, AZ · Charter 60151 · Peer group: credit unions under $1B in assets (n=1,681-1,683)

NCUA · 1 branch

Q2 2026

$74.5MAssets
$47.6MLoans
$61.2MShares
$13.2MNet Worth

Executive Summary

  • Strongest standing: return on assets outperforms 95% of credit unions under $1B in assets (rank 76 of 1683).
  • Widest gap: nonperforming loans / loans trails 75% of credit unions under $1B in assets (rank 1261 of 1682).
  • Overall: at or above the peer median on 6 of 7 directional measures.

Return on Assets

2.01%

Rank 76 of 1,683

Net Interest Margin

4.18%

Rank 534 of 1,683

Efficiency Ratio

56.11%

Rank 128 of 1,682

Equity / Assets

17.73%

Rank 342 of 1,683

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.01%0.35%0.74%1.18%Beats 95%76 / 1,683
Return on Equity11.31%2.67%5.89%8.74%Beats 89%182 / 1,681
Net Interest Margin4.18%3.31%3.82%4.32%Beats 68%534 / 1,683
Efficiency Ratio56.11%68.91%78.20%86.93%Beats 92%128 / 1,682
Asset Quality
Nonperforming Loans / Loans1.29%0.26%0.65%1.29%Beats 25%1,261 / 1,682
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio17.73%10.44%12.89%16.53%Beats 80%342 / 1,683
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets17.73%10.44%12.89%16.53%Beats 80%342 / 1,683
Liquidity & Funding
Loans / Deposits77.83%52.61%69.38%83.50%66th pctl579 / 1,683
Loans / Assets63.91%44.71%59.18%70.72%60th pctl665 / 1,683
Brokered Deposits / Depositsn/aNot reported for this institution