Scottsdale, AZ · Charter 63832
NCUA · 12 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.62% | 0.60% | 0.61% | 0.66% | 0.72% | 0.66% | 0.54% | 0.67% | 0 bps | |
| Return on Equity | 6.21% | 5.55% | 5.84% | 6.18% | 6.50% | 6.12% | 4.96% | 6.04% | -14 bps | |
| Net Interest Margin | 3.43% | 3.71% | 3.61% | 3.69% | 3.78% | 3.73% | 3.85% | 3.89% | +20 bps | |
| Efficiency Ratio | 77.32% | 77.48% | 75.13% | 74.84% | 75.10% | 75.66% | 75.75% | 75.18% | +34 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.00% | -11.23% | -7.54% | -6.06% | -5.17% | 5.04% | 2.36% | 2.68% | +873 bps | |
| Loan Growth (YoY) | 4.11% | -3.06% | -2.30% | -2.39% | -0.43% | 2.69% | 4.47% | 5.73% | +812 bps | |
| Share Growth (YoY) | -3.91% | -2.58% | 1.83% | 4.01% | 5.42% | 5.04% | 2.08% | 2.46% | -156 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.52% | 0.55% | 0.38% | 0.43% | 0.58% | 0.73% | 0.52% | 0.68% | +25 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 | 10.00% | 10.81% | 10.52% | 10.75% | 11.06% | 10.84% | 10.80% | 11.02% | +27 bps | |
| Net Worth / Assets | 10.00% | 10.81% | 10.52% | 10.75% | 11.06% | 10.84% | 10.80% | 11.02% | +27 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 93.75% | 89.71% | 85.73% | 86.60% | 88.55% | 87.71% | 87.73% | 89.37% | +277 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |