PackageTrendsPeer
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San Tan

Chandler, AZ · Charter 60651

NCUA · 1 branch

Q2 2022

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2022, the quarter ended June 30, 2022, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

San Tan

Chandler, AZ · Charter 60651

NCUA · 1 branch

Q2 2022

$10.4MAssets
$3.4MLoans
$9.7MShares
$637KNet 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 -0.08%, up 68 bps year over year; NIM at 1.89%.
  • Asset quality: problem loans at 0.11% of loans (+6 bps YoY).
  • Capital: net worth / assets of 6.15%, down 32 bps from a year ago.
  • Funding: loans stand at 35.69% of shares as of Q2 2022.

Financial Results

Return on Assets (YTD, annualized)

-0.08%+68 bps YoY

Net Interest Margin (YTD, annualized)

1.89%-19 bps YoY

Efficiency Ratio (YTD, annualized)

102.00%-3,411 bps YoY

Net Worth / Assets

6.15%-32 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2021Q3 2021Q4 2021Q1 2022Q2 2022YoY ΔTrend
Earnings
Return on Assets-0.76%-0.85%-0.91%-1.18%-0.08%+68 bps
Return on Equity-11.71%-12.46%-14.04%-19.61%-1.26%+1,045 bps
Net Interest Margin2.08%2.26%2.20%1.86%1.89%-19 bps
Efficiency Ratio136.11%133.26%134.23%142.87%102.00%-3,411 bps
Growth
Asset Growth (YoY)8.46%-1.20%-1.86%-8.51%-2.90%-1,136 bps
Loan Growth (YoY)-23.28%-19.55%-17.32%-19.05%-17.90%+538 bps
Share Growth (YoY)9.11%-0.12%-0.66%-7.16%-2.08%-1,119 bps
Asset Quality
Delinquent Loans / Loans0.05%0.05%0.37%0.05%0.11%+6 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.73%0.75%0.79%0.80%0.84%+11 bps
Capital
Risk-Based Capital6.47%6.85%6.50%6.00%6.15%-32 bps
Net Worth / Assets6.47%6.85%6.50%6.00%6.15%-32 bps
Liquidity & Funding
Loans / Shares42.56%46.26%42.62%37.33%35.69%-688 bps
Liquid Assets / Assets0.00%0.00%0.00%98.13%0.00%0 bps