PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Oneaz

Phoenix, AZ · Charter 61315

NCUA · 21 branches

Q2 2026

$4.5BAssets
$3.0BLoans
$4.0BShares
$441.7MNet 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 1.16%, up 16 bps year over year; NIM at 3.63%.
  • Asset quality: problem loans at 0.66% of loans (+37 bps YoY).
  • Capital: net worth / assets of 9.87%, up 32 bps from a year ago.
  • Funding: loans stand at 76.53% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.16%+16 bps YoY

Net Interest Margin (YTD, annualized)

3.63%+12 bps YoY

Efficiency Ratio (YTD, annualized)

67.56%-275 bps YoY

Net Worth / Assets

9.87%+32 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.00%0.85%0.67%1.29%1.16%+16 bps
Return on Equity10.49%8.85%6.94%13.49%11.78%+129 bps
Net Interest Margin3.51%3.55%3.12%3.61%3.63%+12 bps
Efficiency Ratio70.31%70.55%73.36%64.94%67.56%-275 bps
Growth
Asset Growth (YoY)8.66%8.62%26.74%26.37%24.21%+1,555 bps
Loan Growth (YoY)14.22%16.67%28.79%25.12%19.83%+561 bps
Share Growth (YoY)7.53%8.15%25.98%25.50%23.52%+1,599 bps
Asset Quality
Delinquent Loans / Loans0.28%0.27%0.31%0.55%0.66%+37 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 Capital9.55%9.56%9.66%9.59%9.87%+32 bps
Net Worth / Assets9.55%9.56%9.66%9.59%9.87%+32 bps
Liquidity & Funding
Loans / Shares78.89%81.86%79.17%76.20%76.53%-236 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps