PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Arizona Central

Phoenix, AZ · Charter 62881

NCUA · 10 branches

Q2 2026

$733.4MAssets
$612.1MLoans
$648.0MShares
$64.5MNet Worth

Executive Summary

  • Earnings: ROA of 0.51%, up 39 bps year over year; NIM at 4.01%.
  • Asset quality: problem loans at 0.97% of loans (+17 bps YoY).
  • Capital: net worth / assets of 8.79%, up 16 bps from a year ago.
  • Funding: loans stand at 94.45% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.51%+39 bps YoY

Net Interest Margin (YTD, annualized)

4.01%+23 bps YoY

Efficiency Ratio (YTD, annualized)

81.51%-471 bps YoY

Net Worth / Assets

8.79%+16 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
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 Margin3.64%3.69%3.68%3.78%3.86%3.89%3.94%4.01%+23 bps
Efficiency Ratio97.36%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 / Loans0.99%1.46%0.59%0.80%0.58%0.69%0.67%0.97%+17 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.26%8.99%8.54%8.63%8.74%8.67%8.62%8.79%+16 bps
Net Worth / Assets9.26%8.99%8.54%8.63%8.74%8.67%8.62%8.79%+16 bps
Liquidity & Funding
Loans / Shares92.53%91.77%89.92%90.75%91.78%93.58%93.02%94.45%+371 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps