Phoenix, AZ · Charter 62881
NCUA · 10 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |