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 | |