Phoenix, AZ · Charter 60165
NCUA · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
12
Asset Quality
41
Profitability
42
Liquidity
90
Efficiency
10
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.
Phoenix, AZ · Charter 60165
NCUA · 2 branches
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 | 0.17% | 0.18% | 0.14% | 0.28% | 0.39% | 0.40% | -0.02% | 0.13% | -15 bps | |
| Return on Equity | 1.60% | 1.78% | 1.41% | 3.03% | 3.99% | 4.17% | -0.22% | 1.42% | -161 bps | |
| Net Interest Margin | 5.01% | 4.85% | 4.86% | 4.84% | 5.19% | 5.18% | 5.04% | 5.11% | +27 bps | |
| Efficiency Ratio | 94.58% | 94.43% | 95.27% | 93.25% | 92.07% | 91.90% | 96.46% | 95.35% | +210 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.34% | 0.58% | 1.31% | 10.15% | 8.52% | 6.47% | 7.85% | 0.73% | -942 bps | |
| Loan Growth (YoY) | -2.83% | -0.27% | 2.57% | 6.63% | 1.64% | 4.09% | -0.17% | 0.11% | -652 bps | |
| Share Growth (YoY) | -9.58% | 1.57% | 1.65% | 11.61% | 10.09% | 6.31% | 8.21% | 1.41% | -1,020 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.23% | 1.36% | 2.12% | 2.28% | 2.00% | 1.53% | 1.46% | 0.86% | -143 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 | 10.42% | 10.02% | 9.63% | 9.19% | 9.68% | 9.55% | 9.03% | 9.20% | 0 bps | |
| Net Worth / Assets | 10.42% | 10.02% | 9.63% | 9.19% | 9.68% | 9.55% | 9.03% | 9.20% | 0 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.66% | 75.38% | 74.35% | 72.56% | 74.47% | 73.81% | 68.59% | 71.63% | -93 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Phoenix, AZ · Charter 60165 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
0.13%
Rank 1,426 of 1,683
Net Interest Margin
5.11%
Rank 123 of 1,683
Efficiency Ratio
95.44%
Rank 1,515 of 1,682
Equity / Assets
9.20%
Rank 1,483 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.13% | 0.35% | 0.74% | 1.18% | Beats 15% | 1,426 / 1,683 | ||
| Return on Equity | 1.41% | 2.67% | 5.89% | 8.74% | Beats 17% | 1,393 / 1,681 | ||
| Net Interest Margin | 5.11% | 3.31% | 3.82% | 4.32% | Beats 93% | 123 / 1,683 | ||
| Efficiency Ratio | 95.44% | 68.91% | 78.20% | 86.93% | Beats 10% | 1,515 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.85% | 0.26% | 0.65% | 1.29% | Beats 41% | 996 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.20% | 10.44% | 12.89% | 16.53% | Beats 12% | 1,483 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.20% | 10.44% | 12.89% | 16.53% | Beats 12% | 1,483 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 71.63% | 52.61% | 69.38% | 83.50% | 54th pctl | 770 / 1,683 | ||
| Loans / Assets | 64.73% | 44.71% | 59.18% | 70.72% | 62nd pctl | 637 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||