Winslow, AZ · Charter 63627
NCUA · 1 branch
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 | 1.60% | 1.61% | 1.73% | 2.03% | 2.09% | 2.09% | 3.01% | 2.59% | +56 bps | |
| Return on Equity | 14.84% | 14.58% | 15.22% | 16.77% | 16.46% | 15.69% | 21.76% | 17.77% | +99 bps | |
| Net Interest Margin | 4.43% | 4.41% | 4.38% | 4.72% | 4.77% | 4.86% | 4.90% | 5.08% | +36 bps | |
| Efficiency Ratio | 58.15% | 59.11% | 62.24% | 58.13% | 58.21% | 58.31% | 52.11% | 51.54% | -659 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.28% | 0.22% | -2.13% | -2.93% | -0.16% | -2.11% | -1.43% | -1.58% | +135 bps | |
| Loan Growth (YoY) | 3.36% | 0.11% | -1.84% | -0.57% | -7.20% | -3.79% | -5.64% | -8.96% | -840 bps | |
| Share Growth (YoY) | -6.36% | -1.52% | -4.17% | -5.16% | -2.40% | -4.69% | -4.30% | -4.44% | +71 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.34% | 0.47% | 0.03% | 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 | 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 | 10.76% | 11.04% | 11.38% | 12.08% | 12.70% | 13.30% | 13.85% | 14.56% | +247 bps | |
| Net Worth / Assets | 10.76% | 11.04% | 11.38% | 12.08% | 12.70% | 13.30% | 13.85% | 14.56% | +247 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 82.59% | 80.46% | 80.16% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |