Willcox, AZ · Charter 60151
NCUA · 1 branch
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.81% | 1.83% | 1.72% | 2.57% | 2.33% | 2.26% | 1.67% | 2.01% | -56 bps | |
| Return on Equity | 11.38% | 11.34% | 11.11% | 15.92% | 14.07% | 13.27% | 10.02% | 11.31% | -461 bps | |
| Net Interest Margin | 3.77% | 3.79% | 3.91% | 3.98% | 4.04% | 4.06% | 3.96% | 4.18% | +19 bps | |
| Efficiency Ratio | 57.46% | 57.36% | 61.66% | 50.64% | 53.78% | 54.13% | 60.44% | 56.08% | +544 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.51% | 14.75% | 18.66% | 16.63% | 10.68% | 9.14% | 6.70% | 2.35% | -1,427 bps | |
| Loan Growth (YoY) | 9.01% | 7.51% | 4.38% | 4.39% | 2.27% | 1.83% | 2.37% | 1.20% | -319 bps | |
| Share Growth (YoY) | 12.44% | 15.10% | 19.59% | 16.93% | 9.79% | 7.95% | 5.35% | 0.35% | -1,659 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.83% | 0.63% | 0.84% | 0.82% | 0.78% | 1.08% | 1.05% | 1.29% | +47 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.86% | 16.09% | 15.44% | 16.13% | 16.53% | 17.00% | 16.64% | 17.73% | +160 bps | |
| Net Worth / Assets | 15.86% | 16.09% | 15.44% | 16.13% | 16.53% | 17.00% | 16.64% | 17.73% | +160 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 82.64% | 81.81% | 75.40% | 77.17% | 76.99% | 77.17% | 73.26% | 77.83% | +66 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |