PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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