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 | |