Winslow, AZ · Charter 63627
NCUA · 1 branch
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
65
Asset Quality
72
Profitability
97
Liquidity
65
Efficiency
96
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.
Winslow, AZ · Charter 63627
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.03% | 2.09% | 2.09% | 3.01% | 2.59% | +56 bps | |
| Return on Equity | 16.77% | 16.46% | 15.69% | 21.76% | 17.77% | +99 bps | |
| Net Interest Margin | 4.72% | 4.77% | 4.86% | 4.90% | 5.08% | +36 bps | |
| Efficiency Ratio | 58.13% | 58.21% | 58.31% | 52.11% | 51.54% | -659 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.93% | -0.16% | -2.11% | -1.43% | -1.58% | +135 bps | |
| Loan Growth (YoY) | -0.57% | -7.20% | -3.79% | -5.64% | -8.96% | -840 bps | |
| Share Growth (YoY) | -5.16% | -2.40% | -4.69% | -4.30% | -4.44% | +71 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.12% | 0.09% | 0.46% | 0.08% | 0.31% | +19 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.08% | 12.70% | 13.30% | 13.85% | 14.56% | +247 bps | |
| Net Worth / Assets | 12.08% | 12.70% | 13.30% | 13.85% | 14.56% | +247 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 81.25% | 78.53% | 81.22% | 79.03% | 77.40% | -384 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Winslow, AZ · Charter 63627 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
2.58%
Rank 23 of 1,683
Net Interest Margin
5.08%
Rank 129 of 1,683
Efficiency Ratio
51.49%
Rank 75 of 1,682
Equity / Assets
14.56%
Rank 595 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.58% | 0.35% | 0.74% | 1.18% | Beats 99% | 23 / 1,683 | |
| Return on Equity | 17.73% | 2.67% | 5.89% | 8.74% | Beats 99% | 24 / 1,681 | |
| Net Interest Margin | 5.08% | 3.31% | 3.82% | 4.32% | Beats 92% | 129 / 1,683 | |
| Efficiency Ratio | 51.49% | 68.91% | 78.20% | 86.93% | Beats 96% | 75 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.30% | 0.26% | 0.65% | 1.29% | Beats 72% | 469 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 14.56% | 10.44% | 12.89% | 16.53% | Beats 65% | 595 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 14.56% | 10.44% | 12.89% | 16.53% | Beats 65% | 595 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 77.41% | 52.61% | 69.38% | 83.50% | 65th pctl | 592 / 1,683 | |
| Loans / Assets | 66.09% | 44.71% | 59.18% | 70.72% | 65th pctl | 596 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||