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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

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.

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.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.60%1.61%1.73%2.03%2.09%2.09%3.01%2.59%+56 bps
Return on Equity14.84%14.58%15.22%16.77%16.46%15.69%21.76%17.77%+99 bps
Net Interest Margin4.43%4.41%4.38%4.72%4.77%4.86%4.90%5.08%+36 bps
Efficiency Ratio58.15%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 / Loans0.34%0.47%0.03%0.12%0.09%0.46%0.08%0.31%+19 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 Capital10.76%11.04%11.38%12.08%12.70%13.30%13.85%14.56%+247 bps
Net Worth / Assets10.76%11.04%11.38%12.08%12.70%13.30%13.85%14.56%+247 bps
Liquidity & Funding
Loans / Shares82.59%80.46%80.16%81.25%78.53%81.22%79.03%77.40%-384 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps