PackageTrendsPeer
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Copper State

Phoenix, AZ · Charter 68502

NCUA · 8 branches

Q2 2026

$700.8MAssets
$487.4MLoans
$606.9MShares
$68.1MNet 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 0.40%, up 12 bps year over year; NIM at 3.53%.
  • Asset quality: problem loans at 0.53% of loans (-41 bps YoY).
  • Capital: net worth / assets of 9.72%, up 151 bps from a year ago.
  • Funding: loans stand at 80.31% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.40%+12 bps YoY

Net Interest Margin (quarter, annualized)

3.53%+3 bps YoY

Efficiency Ratio (quarter, annualized)

82.72%-519 bps YoY

Net Worth / Assets

9.72%+151 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.29%1.34%1.27%0.47%0.40%+12 bps
Return on Equity3.52%15.34%14.37%5.50%4.16%+65 bps
Net Interest Margin3.49%3.46%3.46%3.56%3.53%+3 bps
Efficiency Ratio87.91%70.71%71.15%81.22%82.72%-519 bps
Growth
Asset Growth (YoY)3.24%5.16%8.90%10.35%13.62%+1,039 bps
Loan Growth (YoY)-2.79%0.08%1.54%5.37%12.75%+1,554 bps
Share Growth (YoY)6.53%5.39%7.66%7.08%8.91%+238 bps
Asset Quality
Delinquent Loans / Loans0.94%0.95%0.81%0.64%0.53%-41 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 Capital8.21%8.72%8.83%8.59%9.72%+151 bps
Net Worth / Assets8.21%8.72%8.83%8.59%9.72%+151 bps
Liquidity & Funding
Loans / Shares77.57%79.79%77.74%75.91%80.31%+273 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps