Copper State
Phoenix, AZ · Charter 68502 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 8 branches
Q2 2026
$700.8MAssets
$487.4MLoans
$606.9MShares
$68.1MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 58% of credit unions under $1B in assets (rank 713 of 1682).
- Widest gap: equity / assets trails 83% of credit unions under $1B in assets (rank 1394 of 1683).
- Overall: at or above the peer median on 1 of 7 directional measures.
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 | 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 |