Phoenix, AZ · Charter 68730
NCUA · 21 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 | 0.88% | 0.84% | 0.70% | 0.70% | 0.86% | 0.83% | 0.74% | 0.66% | -4 bps | |
| Return on Equity | 7.12% | 6.82% | 5.91% | 5.89% | 7.19% | 6.94% | 6.25% | 5.61% | -28 bps | |
| Net Interest Margin | 2.94% | 2.92% | 2.92% | 2.94% | 2.95% | 2.92% | 3.06% | 3.05% | +11 bps | |
| Efficiency Ratio | 79.58% | 80.60% | 83.14% | 82.13% | 80.51% | 80.60% | 79.87% | 80.66% | -147 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.23% | 3.22% | 3.76% | 10.86% | 10.37% | 10.79% | 8.00% | 7.81% | -304 bps | |
| Loan Growth (YoY) | 0.54% | 0.93% | 3.91% | 7.15% | 8.00% | 9.00% | 9.46% | 7.76% | +61 bps | |
| Share Growth (YoY) | 7.31% | 10.21% | 9.97% | 10.55% | 10.16% | 9.69% | 7.49% | 7.42% | -313 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.27% | 0.23% | 0.28% | 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 | 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 | 12.31% | 12.29% | 11.85% | 11.88% | 11.97% | 11.92% | 11.81% | 11.82% | -6 bps | |
| Net Worth / Assets | 12.31% | 12.29% | 11.85% | 11.88% | 11.97% | 11.92% | 11.81% | 11.82% | -6 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 62.73% | 61.39% | 59.22% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |