Tucson, AZ · Charter 7531
NCUA · 7 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
9
Asset Quality
3
Profitability
37
Liquidity
97
Efficiency
97
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.
Tucson, AZ · Charter 7531
NCUA · 7 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 | 0.38% | 0.38% | 0.09% | 0.32% | 0.12% | -26 bps | |
| Return on Equity | 4.12% | 4.02% | 1.04% | 3.62% | 1.35% | -277 bps | |
| Net Interest Margin | 4.61% | 4.75% | 4.80% | 4.87% | 5.05% | +44 bps | |
| Efficiency Ratio | 56.18% | 54.50% | 51.70% | 52.76% | 51.92% | -426 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.53% | 10.82% | 10.88% | 7.10% | 1.08% | -845 bps | |
| Loan Growth (YoY) | 20.42% | 14.55% | 4.94% | 0.03% | -1.88% | -2,231 bps | |
| Share Growth (YoY) | 10.68% | 13.11% | 13.10% | 8.97% | 2.18% | -850 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.44% | 1.95% | 2.86% | 1.96% | 2.28% | +84 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 | 9.31% | 9.33% | 8.78% | 8.75% | 8.86% | -44 bps | |
| Net Worth / Assets | 9.31% | 9.33% | 8.78% | 8.75% | 8.86% | -44 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 92.53% | 91.77% | 89.99% | 87.19% | 88.85% | -368 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Tucson, AZ · Charter 7531 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 7 branches
Q2 2026
Return on Assets
0.12%
Rank 413 of 435
Net Interest Margin
5.05%
Rank 2 of 435
Efficiency Ratio
51.92%
Rank 12 of 435
Equity / Assets
8.86%
Rank 394 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.12% | 0.55% | 0.81% | 1.14% | Beats 5% | 413 / 435 | |
| Return on Equity | 1.35% | 5.12% | 7.41% | 9.70% | Beats 5% | 412 / 435 | |
| Net Interest Margin | 5.05% | 3.01% | 3.39% | 3.75% | Beats 100% | 2 / 435 | |
| Efficiency Ratio | 51.92% | 65.25% | 71.39% | 77.86% | Beats 97% | 12 / 435 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 2.28% | 0.45% | 0.69% | 1.05% | Beats 3% | 424 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 8.86% | 9.81% | 10.84% | 12.63% | Beats 9% | 394 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 8.86% | 9.81% | 10.84% | 12.63% | Beats 9% | 394 / 435 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 88.85% | 78.33% | 88.38% | 95.61% | 52nd pctl | 209 / 435 | |
| Loans / Assets | 80.39% | 67.69% | 74.58% | 80.80% | 73rd pctl | 118 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||