Phoenix, AZ · Charter 61315
NCUA · 21 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 | 0.99% | 0.95% | 0.79% | 1.00% | 0.85% | 0.67% | 1.29% | 1.16% | +16 bps | |
| Return on Equity | 10.32% | 9.94% | 8.47% | 10.49% | 8.85% | 6.94% | 13.49% | 11.78% | +129 bps | |
| Net Interest Margin | 3.49% | 3.50% | 3.43% | 3.51% | 3.55% | 3.12% | 3.61% | 3.63% | +12 bps | |
| Efficiency Ratio | 72.24% | 72.58% | 74.54% | 70.31% | 70.55% | 73.36% | 64.94% | 67.56% | -275 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.13% | 0.33% | 5.45% | 8.66% | 8.62% | 26.74% | 26.37% | 24.21% | +1,555 bps | |
| Loan Growth (YoY) | 9.30% | 9.56% | 11.51% | 14.22% | 16.67% | 28.79% | 25.12% | 19.83% | +561 bps | |
| Share Growth (YoY) | 0.00% | 2.30% | 5.69% | 7.53% | 8.15% | 25.98% | 25.50% | 23.52% | +1,599 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.21% | 0.28% | 0.89% | 0.28% | 0.27% | 0.31% | 0.55% | 0.66% | +37 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 | 9.60% | 9.60% | 9.38% | 9.55% | 9.56% | 9.66% | 9.59% | 9.87% | +32 bps | |
| Net Worth / Assets | 9.60% | 9.60% | 9.38% | 9.55% | 9.56% | 9.66% | 9.59% | 9.87% | +32 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.88% | 77.44% | 76.44% | 78.89% | 81.86% | 79.17% | 76.20% | 76.53% | -236 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |