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Arizona Financial

Phoenix, AZ · Charter 68730

NCUA · 21 branches

Q2 2026

$3.9BAssets
$2.1BLoans
$3.5BShares
$464.7MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.66%, down 4 bps year over year; NIM at 3.05%.
  • Asset quality: problem loans at 0.39% of loans (+5 bps YoY).
  • Capital: net worth / assets of 11.82%, down 6 bps from a year ago.
  • Funding: loans stand at 61.51% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.66%-4 bps YoY

Net Interest Margin (YTD, annualized)

3.05%+11 bps YoY

Efficiency Ratio (YTD, annualized)

80.66%-147 bps YoY

Net Worth / Assets

11.82%-6 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.70%0.86%0.83%0.74%0.66%-4 bps
Return on Equity5.89%7.19%6.94%6.25%5.61%-28 bps
Net Interest Margin2.94%2.95%2.92%3.06%3.05%+11 bps
Efficiency Ratio82.13%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 / Loans0.34%0.41%0.39%0.33%0.39%+5 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.88%11.97%11.92%11.81%11.82%-6 bps
Net Worth / Assets11.88%11.97%11.92%11.81%11.82%-6 bps
Liquidity & Funding
Loans / Shares61.32%61.50%61.00%60.30%61.51%+19 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps