Phoenix, AZ · Charter 68713
NCUA · 50 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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
65
Asset Quality
73
Profitability
54
Liquidity
0
Efficiency
57
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.
Phoenix, AZ · Charter 68713
NCUA · 50 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 | 0.91% | 0.82% | 0.66% | 0.79% | 0.78% | 0.78% | 0.87% | 1.11% | +32 bps | |
| Return on Equity | 7.82% | 6.95% | 5.70% | 6.66% | 6.58% | 6.74% | 7.52% | 9.43% | +277 bps | |
| Net Interest Margin | 2.19% | 2.25% | 2.43% | 2.53% | 2.58% | 2.53% | 2.85% | 2.82% | +29 bps | |
| Efficiency Ratio | 72.97% | 75.25% | 78.88% | 76.96% | 76.64% | 76.03% | 73.97% | 69.86% | -710 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.56% | 0.84% | 1.98% | 3.43% | 3.07% | 8.56% | 7.97% | 8.96% | +554 bps | |
| Loan Growth (YoY) | 6.10% | 7.49% | 10.66% | 12.48% | 14.97% | 15.73% | 15.87% | 14.22% | +173 bps | |
| Share Growth (YoY) | 4.80% | 9.03% | 9.20% | 8.02% | 7.42% | 7.21% | 5.89% | 6.80% | -122 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.22% | 0.29% | 0.25% | 0.31% | 0.36% | 0.44% | 0.38% | 0.47% | +16 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 | 11.61% | 11.82% | 11.62% | 11.84% | 11.91% | 11.61% | 11.52% | 11.75% | -9 bps | |
| Net Worth / Assets | 11.61% | 11.82% | 11.62% | 11.84% | 11.91% | 11.61% | 11.52% | 11.75% | -9 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 54.57% | 54.24% | 53.68% | 56.02% | 58.40% | 58.56% | 58.74% | 59.91% | +389 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Phoenix, AZ · Charter 68713 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 50 branches
Q2 2026
Return on Assets
1.11%
Rank 117 of 435
Net Interest Margin
2.82%
Rank 366 of 435
Efficiency Ratio
69.86%
Rank 191 of 435
Equity / Assets
11.75%
Rank 153 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.11% | 0.55% | 0.81% | 1.14% | Beats 73% | 117 / 435 | ||
| Return on Equity | 9.43% | 5.12% | 7.41% | 9.70% | Beats 73% | 117 / 435 | ||
| Net Interest Margin | 2.82% | 3.01% | 3.39% | 3.75% | Beats 16% | 366 / 435 | ||
| Efficiency Ratio | 69.86% | 65.25% | 71.39% | 77.86% | Beats 57% | 191 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.47% | 0.45% | 0.69% | 1.05% | Beats 73% | 117 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.75% | 9.81% | 10.84% | 12.63% | Beats 65% | 153 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.75% | 9.81% | 10.84% | 12.63% | Beats 65% | 153 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 59.91% | 78.33% | 88.38% | 95.61% | 7th pctl | 404 / 435 | ||
| Loans / Assets | 53.66% | 67.69% | 74.58% | 80.80% | 9th pctl | 397 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||