Phoenix, AZ · Charter 68730
NCUA · 21 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
66
Asset Quality
82
Profitability
30
Liquidity
0
Efficiency
15
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 68730
NCUA · 21 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.70% | 0.86% | 0.83% | 0.74% | 0.66% | -4 bps | |
| Return on Equity | 5.89% | 7.19% | 6.94% | 6.25% | 5.61% | -28 bps | |
| Net Interest Margin | 2.94% | 2.95% | 2.92% | 3.06% | 3.05% | +11 bps | |
| Efficiency Ratio | 82.13% | 80.51% | 80.60% | 79.87% | 80.66% | -147 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.86% | 10.37% | 10.79% | 8.00% | 7.81% | -304 bps | |
| Loan Growth (YoY) | 7.15% | 8.00% | 9.00% | 9.46% | 7.76% | +61 bps | |
| Share Growth (YoY) | 10.55% | 10.16% | 9.69% | 7.49% | 7.42% | -313 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.34% | 0.41% | 0.39% | 0.33% | 0.39% | +5 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 | 11.88% | 11.97% | 11.92% | 11.81% | 11.82% | -6 bps | |
| Net Worth / Assets | 11.88% | 11.97% | 11.92% | 11.81% | 11.82% | -6 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 61.32% | 61.50% | 61.00% | 60.30% | 61.51% | +19 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Phoenix, AZ · Charter 68730 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 21 branches
Q2 2026
Return on Assets
0.66%
Rank 291 of 435
Net Interest Margin
3.05%
Rank 316 of 435
Efficiency Ratio
80.66%
Rank 372 of 435
Equity / Assets
11.82%
Rank 150 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.66% | 0.55% | 0.81% | 1.14% | Beats 33% | 291 / 435 | |
| Return on Equity | 5.61% | 5.12% | 7.41% | 9.70% | Beats 31% | 298 / 435 | |
| Net Interest Margin | 3.05% | 3.01% | 3.39% | 3.75% | Beats 27% | 316 / 435 | |
| Efficiency Ratio | 80.66% | 65.25% | 71.39% | 77.86% | Beats 15% | 372 / 435 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.39% | 0.45% | 0.69% | 1.05% | Beats 82% | 81 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 11.82% | 9.81% | 10.84% | 12.63% | Beats 66% | 150 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 11.82% | 9.81% | 10.84% | 12.63% | Beats 66% | 150 / 435 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 61.51% | 78.33% | 88.38% | 95.61% | 8th pctl | 401 / 435 | |
| Loans / Assets | 54.17% | 67.69% | 74.58% | 80.80% | 10th pctl | 392 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||