Tempe, AZ · Charter 62937
NCUA · 3 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 | 0.95% | 1.04% | 0.84% | 1.01% | 0.98% | 0.96% | 1.04% | 0.91% | -9 bps | |
| Return on Equity | 9.54% | 10.19% | 8.28% | 9.67% | 9.34% | 9.05% | 9.87% | 8.52% | -115 bps | |
| Net Interest Margin | 3.97% | 3.98% | 3.88% | 3.96% | 4.00% | 3.96% | 3.83% | 3.87% | -9 bps | |
| Efficiency Ratio | 73.82% | 72.95% | 74.44% | 71.66% | 71.35% | 72.61% | 75.57% | 74.11% | +245 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.16% | 1.86% | 3.38% | 3.89% | 4.26% | 4.95% | 6.04% | 5.25% | +136 bps | |
| Loan Growth (YoY) | -13.05% | -10.01% | -6.93% | -5.88% | -5.21% | -5.84% | -4.94% | -3.79% | +209 bps | |
| Share Growth (YoY) | -0.27% | 0.86% | 2.65% | 2.65% | 3.60% | 4.05% | 5.71% | 5.32% | +267 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.73% | 0.68% | 0.60% | 0.66% | 0.84% | 0.65% | 1.34% | 0.79% | +13 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 | 9.97% | 10.24% | 10.18% | 10.44% | 10.52% | 10.62% | 10.50% | 10.73% | +30 bps | |
| Net Worth / Assets | 9.97% | 10.24% | 10.18% | 10.44% | 10.52% | 10.62% | 10.50% | 10.73% | +30 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 73.54% | 72.65% | 68.72% | 67.46% | 67.28% | 65.74% | 61.80% | 61.63% | -584 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |