PackageTrendsPeer
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Winslow Santa Fe

Winslow, AZ · Charter 63627

NCUA · 1 branch

Q2 2026

$15.0MAssets
$9.9MLoans
$12.8MShares
$2.2MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 2.59%, up 56 bps year over year; NIM at 5.08%.
  • Asset quality: problem loans at 0.31% of loans (+19 bps YoY).
  • Capital: net worth / assets of 14.56%, up 247 bps from a year ago.
  • Funding: loans stand at 77.40% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.59%+56 bps YoY

Net Interest Margin (YTD, annualized)

5.08%+36 bps YoY

Efficiency Ratio (YTD, annualized)

51.54%-659 bps YoY

Net Worth / Assets

14.56%+247 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.03%2.09%2.09%3.01%2.59%+56 bps
Return on Equity16.77%16.46%15.69%21.76%17.77%+99 bps
Net Interest Margin4.72%4.77%4.86%4.90%5.08%+36 bps
Efficiency Ratio58.13%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 / Loans0.12%0.09%0.46%0.08%0.31%+19 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.08%12.70%13.30%13.85%14.56%+247 bps
Net Worth / Assets12.08%12.70%13.30%13.85%14.56%+247 bps
Liquidity & Funding
Loans / Shares81.25%78.53%81.22%79.03%77.40%-384 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps