PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Truwest

Scottsdale, AZ · Charter 63832

NCUA · 12 branches

Q2 2026

$1.7BAssets
$1.3BLoans
$1.5BShares
$188.7MNet 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 0.67%, unchanged from a year ago; NIM at 3.89%.
  • Asset quality: problem loans at 0.68% of loans (+25 bps YoY).
  • Capital: net worth / assets of 11.02%, up 27 bps from a year ago.
  • Funding: loans stand at 89.37% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.67%0 bps YoY

Net Interest Margin (YTD, annualized)

3.89%+20 bps YoY

Efficiency Ratio (YTD, annualized)

75.18%+34 bps YoY

Net Worth / Assets

11.02%+27 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.66%0.72%0.66%0.54%0.67%0 bps
Return on Equity6.18%6.50%6.12%4.96%6.04%-14 bps
Net Interest Margin3.69%3.78%3.73%3.85%3.89%+20 bps
Efficiency Ratio74.84%75.10%75.66%75.75%75.18%+34 bps
Growth
Asset Growth (YoY)-6.06%-5.17%5.04%2.36%2.68%+873 bps
Loan Growth (YoY)-2.39%-0.43%2.69%4.47%5.73%+812 bps
Share Growth (YoY)4.01%5.42%5.04%2.08%2.46%-156 bps
Asset Quality
Delinquent Loans / Loans0.43%0.58%0.73%0.52%0.68%+25 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 Capital10.75%11.06%10.84%10.80%11.02%+27 bps
Net Worth / Assets10.75%11.06%10.84%10.80%11.02%+27 bps
Liquidity & Funding
Loans / Shares86.60%88.55%87.71%87.73%89.37%+277 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps