Chandler, AZ · Charter 68444
NCUA · 9 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 | 1.53% | 1.04% | -0.08% | 0.12% | 0.15% | 0.18% | 0.15% | 0.24% | +13 bps | |
| Return on Equity | 15.53% | 10.46% | -0.85% | 1.23% | 1.54% | 1.92% | 1.61% | 2.68% | +145 bps | |
| Net Interest Margin | 3.71% | 3.75% | 3.50% | 3.63% | 3.69% | 3.65% | 3.70% | 3.82% | +19 bps | |
| Efficiency Ratio | 62.19% | 65.99% | 80.60% | 79.17% | 78.14% | 77.55% | 79.04% | 77.53% | -163 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.72% | 4.18% | 5.01% | 4.83% | 2.26% | 7.01% | 2.58% | 5.87% | +104 bps | |
| Loan Growth (YoY) | -1.11% | 2.15% | 14.40% | 17.72% | 17.23% | 16.77% | 9.58% | 9.36% | -836 bps | |
| Share Growth (YoY) | 4.75% | 9.23% | 9.47% | 9.03% | 5.81% | 3.92% | 1.90% | 2.96% | -607 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.95% | 1.13% | 0.59% | 0.62% | 0.69% | 0.60% | 0.44% | 0.53% | -8 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 | 9.84% | 9.96% | 9.54% | 9.49% | 9.49% | 9.37% | 9.42% | 9.10% | -39 bps | |
| Net Worth / Assets | 9.84% | 9.96% | 9.54% | 9.49% | 9.49% | 9.37% | 9.42% | 9.10% | -39 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.09% | 62.75% | 66.27% | 70.72% | 71.02% | 70.51% | 71.26% | 75.11% | +439 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |