Sierra Vista, AZ · Charter 68567
NCUA · 7 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.15% | 1.30% | 1.23% | 1.60% | 1.56% | +42 bps | |
| Return on Equity | 10.78% | 11.90% | 11.36% | 14.56% | 13.82% | +304 bps | |
| Net Interest Margin | 3.81% | 3.89% | 3.82% | 4.06% | 4.09% | +28 bps | |
| Efficiency Ratio | 61.54% | 59.16% | 59.17% | 55.99% | 57.64% | -390 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.08% | 2.89% | 4.89% | 6.47% | 7.59% | +251 bps | |
| Loan Growth (YoY) | 9.52% | 5.22% | 6.50% | 3.13% | 4.25% | -527 bps | |
| Share Growth (YoY) | 4.14% | 1.64% | 3.82% | 5.43% | 6.85% | +271 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.62% | 10.91% | 10.85% | 11.00% | 11.31% | +68 bps | |
| Net Worth / Assets | 10.62% | 10.91% | 10.85% | 11.00% | 11.31% | +68 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |