PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Credit Union West

Glendale, AZ · Charter 68421

NCUA · 15 branches

Q2 2026

$1.5BAssets
$1.2BLoans
$1.3BShares
$152.5MNet 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 0.58%, down 15 bps year over year; NIM at 4.18%.
  • Asset quality: problem loans at 0.38% of loans (+5 bps YoY).
  • Capital: net worth / assets of 10.50%, down 29 bps from a year ago.
  • Funding: loans stand at 93.98% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.58%-15 bps YoY

Net Interest Margin (quarter, annualized)

4.18%-12 bps YoY

Efficiency Ratio (quarter, annualized)

74.94%+555 bps YoY

Net Worth / Assets

10.50%-29 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.73%0.81%0.81%0.42%0.58%-15 bps
Return on Equity6.77%7.42%7.70%4.12%5.51%-126 bps
Net Interest Margin4.30%4.37%4.15%4.10%4.18%-12 bps
Efficiency Ratio69.39%68.17%67.00%78.53%74.94%+555 bps
Growth
Asset Growth (YoY)5.70%5.60%9.05%9.07%9.64%+395 bps
Loan Growth (YoY)7.39%8.18%7.32%7.14%9.92%+254 bps
Share Growth (YoY)5.25%5.17%9.01%9.34%10.04%+479 bps
Asset Quality
Delinquent Loans / Loans0.33%0.40%0.40%0.38%0.38%+5 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 Capital10.79%10.96%10.47%10.31%10.50%-29 bps
Net Worth / Assets10.79%10.96%10.47%10.31%10.50%-29 bps
Liquidity & Funding
Loans / Shares94.09%94.84%89.46%90.04%93.98%-10 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps