Phoenix, AZ · Charter 62881
NCUA · 10 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
9
Asset Quality
34
Profitability
48
Liquidity
0
Efficiency
40
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Phoenix, AZ · Charter 62881
NCUA · 10 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 | -0.19% | -0.23% | 0.03% | 0.12% | 0.24% | 0.31% | 0.33% | 0.51% | +39 bps | |
| Return on Equity | -2.02% | -2.50% | 0.34% | 1.45% | 2.70% | 3.54% | 3.80% | 5.81% | +436 bps | |
| Net Interest Margin | 3.64% | 3.69% | 3.68% | 3.78% | 3.86% | 3.89% | 3.94% | 4.01% | +23 bps | |
| Efficiency Ratio | 97.36% | 97.14% | 89.38% | 86.22% | 85.08% | 83.63% | 83.09% | 81.51% | -471 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.91% | -7.31% | -4.55% | -2.89% | 4.52% | 4.87% | 1.21% | 1.54% | +443 bps | |
| Loan Growth (YoY) | -7.39% | -8.05% | -4.74% | -1.23% | 0.96% | 3.42% | 4.86% | 5.41% | +664 bps | |
| Share Growth (YoY) | -0.95% | 0.19% | 0.21% | 1.75% | 1.78% | 1.42% | 1.36% | 1.27% | -47 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.99% | 1.46% | 0.59% | 0.80% | 0.58% | 0.69% | 0.67% | 0.97% | +17 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 | 9.26% | 8.99% | 8.54% | 8.63% | 8.74% | 8.67% | 8.62% | 8.79% | +16 bps | |
| Net Worth / Assets | 9.26% | 8.99% | 8.54% | 8.63% | 8.74% | 8.67% | 8.62% | 8.79% | +16 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 92.53% | 91.77% | 89.92% | 90.75% | 91.78% | 93.58% | 93.02% | 94.45% | +371 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Phoenix, AZ · Charter 62881 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 10 branches
Q2 2026
Return on Assets
0.51%
Rank 1,124 of 1,683
Net Interest Margin
4.01%
Rank 663 of 1,683
Efficiency Ratio
81.51%
Rank 1,009 of 1,682
Equity / Assets
8.79%
Rank 1,530 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.51% | 0.35% | 0.74% | 1.18% | Beats 33% | 1,124 / 1,683 | ||
| Return on Equity | 5.81% | 2.67% | 5.89% | 8.74% | Beats 49% | 857 / 1,681 | ||
| Net Interest Margin | 4.01% | 3.31% | 3.82% | 4.32% | Beats 61% | 663 / 1,683 | ||
| Efficiency Ratio | 81.51% | 68.91% | 78.20% | 86.93% | Beats 40% | 1,009 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.96% | 0.26% | 0.65% | 1.29% | Beats 34% | 1,107 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 8.79% | 10.44% | 12.89% | 16.53% | Beats 9% | 1,530 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 8.79% | 10.44% | 12.89% | 16.53% | Beats 9% | 1,530 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 94.45% | 52.61% | 69.38% | 83.50% | 93rd pctl | 122 / 1,683 | ||
| Loans / Assets | 83.46% | 44.71% | 59.18% | 70.72% | 96th pctl | 70 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||