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 | |