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 | |