Oneaz
Phoenix, AZ · Charter 61315 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 21 branches
Q2 2026
$4.5BAssets
$3.0BLoans
$4.0BShares
$441.7MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 89% of credit unions $1B-$10B in assets (rank 50 of 435).
- Widest gap: equity / assets trails 73% of credit unions $1B-$10B in assets (rank 318 of 435).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
1.16%
Rank 96 of 435
Net Interest Margin
3.63%
Rank 145 of 435
Efficiency Ratio
67.56%
Rank 155 of 435
Equity / Assets
9.87%
Rank 318 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.16% | 0.55% | 0.81% | 1.14% | Beats 78% | 96 / 435 | | |
| Return on Equity | 11.78% | 5.12% | 7.41% | 9.70% | Beats 89% | 50 / 435 | | |
| Net Interest Margin | 3.63% | 3.01% | 3.39% | 3.75% | Beats 66% | 145 / 435 | | |
| Efficiency Ratio | 67.56% | 65.25% | 71.39% | 77.86% | Beats 65% | 155 / 435 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.66% | 0.45% | 0.69% | 1.05% | Beats 52% | 208 / 435 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.87% | 9.81% | 10.84% | 12.63% | Beats 27% | 318 / 435 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.87% | 9.81% | 10.84% | 12.63% | Beats 27% | 318 / 435 | | |
| Liquidity & Funding |
| Loans / Deposits | 76.53% | 78.33% | 88.38% | 95.61% | 22nd pctl | 340 / 435 | | |
| Loans / Assets | 67.68% | 67.69% | 74.58% | 80.80% | 25th pctl | 328 / 435 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |