Phoenix, AZ · Charter 68502
NCUA · 8 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
17
Asset Quality
58
Profitability
33
Liquidity
52
Efficiency
37
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Phoenix, AZ · Charter 68502
NCUA · 8 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 | 0.07% | 0.14% | 0.19% | 0.29% | 1.34% | 1.27% | 0.47% | 0.40% | +12 bps | |
| Return on Equity | 0.88% | 1.68% | 2.31% | 3.52% | 15.34% | 14.37% | 5.50% | 4.16% | +65 bps | |
| Net Interest Margin | 3.55% | 3.63% | 3.54% | 3.49% | 3.46% | 3.46% | 3.56% | 3.53% | +3 bps | |
| Efficiency Ratio | 89.64% | 88.91% | 90.09% | 87.91% | 70.71% | 71.15% | 81.22% | 82.72% | -519 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.56% | -1.39% | -0.40% | 3.24% | 5.16% | 8.90% | 10.35% | 13.62% | +1,039 bps | |
| Loan Growth (YoY) | -3.48% | -4.71% | -4.24% | -2.79% | 0.08% | 1.54% | 5.37% | 12.75% | +1,554 bps | |
| Share Growth (YoY) | -1.11% | 1.32% | 4.19% | 6.53% | 5.39% | 7.66% | 7.08% | 8.91% | +238 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.78% | 0.74% | 0.80% | 0.94% | 0.95% | 0.81% | 0.64% | 0.53% | -41 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 | 8.36% | 8.40% | 8.22% | 8.21% | 8.72% | 8.83% | 8.59% | 9.72% | +151 bps | |
| Net Worth / Assets | 8.36% | 8.40% | 8.22% | 8.21% | 8.72% | 8.83% | 8.59% | 9.72% | +151 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 84.02% | 82.41% | 77.15% | 77.57% | 79.79% | 77.74% | 75.91% | 80.31% | +273 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Phoenix, AZ · Charter 68502 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 8 branches
Q2 2026
Return on Assets
0.40%
Rank 1,223 of 1,683
Net Interest Margin
3.53%
Rank 1,099 of 1,683
Efficiency Ratio
82.72%
Rank 1,069 of 1,682
Equity / Assets
9.72%
Rank 1,394 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.40% | 0.35% | 0.74% | 1.18% | Beats 27% | 1,223 / 1,683 | ||
| Return on Equity | 4.16% | 2.67% | 5.89% | 8.74% | Beats 37% | 1,067 / 1,681 | ||
| Net Interest Margin | 3.53% | 3.31% | 3.82% | 4.32% | Beats 35% | 1,099 / 1,683 | ||
| Efficiency Ratio | 82.72% | 68.91% | 78.20% | 86.93% | Beats 37% | 1,069 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.53% | 0.26% | 0.65% | 1.29% | Beats 58% | 713 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.72% | 10.44% | 12.89% | 16.53% | Beats 17% | 1,394 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.72% | 10.44% | 12.89% | 16.53% | Beats 17% | 1,394 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 80.31% | 52.61% | 69.38% | 83.50% | 70th pctl | 507 / 1,683 | ||
| Loans / Assets | 69.54% | 44.71% | 59.18% | 70.72% | 73rd pctl | 462 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||