Sierra Vista, AZ · Charter 68567
NCUA · 7 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
35
Asset Quality
39
Profitability
82
Liquidity
72
Efficiency
91
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.
Sierra Vista, AZ · Charter 68567
NCUA · 7 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 | 0.86% | 0.88% | 0.94% | 1.15% | 1.30% | 1.23% | 1.60% | 1.56% | +42 bps | |
| Return on Equity | 8.63% | 8.75% | 9.11% | 10.78% | 11.90% | 11.36% | 14.56% | 13.82% | +304 bps | |
| Net Interest Margin | 3.23% | 3.31% | 3.71% | 3.81% | 3.89% | 3.82% | 4.06% | 4.09% | +28 bps | |
| Efficiency Ratio | 63.52% | 63.78% | 62.71% | 61.54% | 59.16% | 59.17% | 55.99% | 57.64% | -390 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.28% | 8.08% | 5.40% | 5.08% | 2.89% | 4.89% | 6.47% | 7.59% | +251 bps | |
| Loan Growth (YoY) | 8.79% | 5.89% | 6.99% | 9.52% | 5.22% | 6.50% | 3.13% | 4.25% | -527 bps | |
| Share Growth (YoY) | 6.46% | 7.76% | 4.58% | 4.14% | 1.64% | 3.82% | 5.43% | 6.85% | +271 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.28% | 1.22% | 1.03% | 1.36% | 1.47% | 1.21% | 1.01% | 0.88% | -48 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 | 10.01% | 10.12% | 10.27% | 10.62% | 10.91% | 10.85% | 11.00% | 11.31% | +68 bps | |
| Net Worth / Assets | 10.01% | 10.12% | 10.27% | 10.62% | 10.91% | 10.85% | 11.00% | 11.31% | +68 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.79% | 58.74% | 61.05% | 62.37% | 61.90% | 60.26% | 59.72% | 60.86% | -152 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Sierra Vista, AZ · Charter 68567 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 7 branches
Q2 2026
Return on Assets
1.56%
Rank 218 of 1,683
Net Interest Margin
4.09%
Rank 601 of 1,683
Efficiency Ratio
57.64%
Rank 159 of 1,682
Equity / Assets
11.31%
Rank 1,101 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.56% | 0.35% | 0.74% | 1.18% | Beats 87% | 218 / 1,683 | ||
| Return on Equity | 13.82% | 2.67% | 5.89% | 8.74% | Beats 96% | 74 / 1,681 | ||
| Net Interest Margin | 4.09% | 3.31% | 3.82% | 4.32% | Beats 64% | 601 / 1,683 | ||
| Efficiency Ratio | 57.64% | 68.91% | 78.20% | 86.93% | Beats 91% | 159 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.88% | 0.26% | 0.65% | 1.29% | Beats 39% | 1,024 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.31% | 10.44% | 12.89% | 16.53% | Beats 35% | 1,101 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.31% | 10.44% | 12.89% | 16.53% | Beats 35% | 1,101 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 60.86% | 52.61% | 69.38% | 83.50% | 36th pctl | 1,076 / 1,683 | ||
| Loans / Assets | 53.76% | 44.71% | 59.18% | 70.72% | 40th pctl | 1,005 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||