PackageTrendsPeer
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Alhambra

Phoenix, AZ · Charter 60165

NCUA · 2 branches

Q2 2026

$33.8MAssets
$21.9MLoans
$30.6MShares
$3.1MNet 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 0.13%, down 15 bps year over year; NIM at 5.11%.
  • Asset quality: problem loans at 0.86% of loans (-143 bps YoY).
  • Capital: net worth / assets of 9.20%, unchanged from a year ago.
  • Funding: loans stand at 71.63% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.13%-15 bps YoY

Net Interest Margin (quarter, annualized)

5.11%+27 bps YoY

Efficiency Ratio (quarter, annualized)

95.35%+210 bps YoY

Net Worth / Assets

9.20%0 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.28%0.39%0.40%-0.02%0.13%-15 bps
Return on Equity3.03%3.99%4.17%-0.22%1.42%-161 bps
Net Interest Margin4.84%5.19%5.18%5.04%5.11%+27 bps
Efficiency Ratio93.25%92.07%91.90%96.46%95.35%+210 bps
Growth
Asset Growth (YoY)10.15%8.52%6.47%7.85%0.73%-942 bps
Loan Growth (YoY)6.63%1.64%4.09%-0.17%0.11%-652 bps
Share Growth (YoY)11.61%10.09%6.31%8.21%1.41%-1,020 bps
Asset Quality
Delinquent Loans / Loans2.28%2.00%1.53%1.46%0.86%-143 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 Capital9.19%9.68%9.55%9.03%9.20%0 bps
Net Worth / Assets9.19%9.68%9.55%9.03%9.20%0 bps
Liquidity & Funding
Loans / Shares72.56%74.47%73.81%68.59%71.63%-93 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps