Arizona Central
Phoenix, AZ · Charter 62881 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 10 branches
Q2 2026
$733.4MAssets
$612.1MLoans
$648.0MShares
$64.5MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 61% of credit unions under $1B in assets (rank 663 of 1683).
- Widest gap: equity / assets trails 91% of credit unions under $1B in assets (rank 1530 of 1683).
- Overall: at or above the peer median on 1 of 7 directional measures.
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 |