Mesa, AZ · Charter 7715
NCUA · 1 branch
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 under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
71
Asset Quality
76
Profitability
50
Liquidity
94
Efficiency
33
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.
Mesa, AZ · Charter 7715
NCUA · 1 branch
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 | 1.01% | 0.99% | 1.03% | 0.57% | 0.67% | -34 bps | |
| Return on Equity | 6.51% | 6.09% | 6.72% | 3.64% | 4.27% | -224 bps | |
| Net Interest Margin | 4.63% | 4.78% | 4.62% | 4.26% | 4.20% | -43 bps | |
| Efficiency Ratio | 78.75% | 79.93% | 78.75% | 86.42% | 83.69% | +494 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.90% | 7.48% | 2.17% | 1.49% | -2.90% | -1,279 bps | |
| Loan Growth (YoY) | -12.19% | -7.86% | -3.43% | -0.84% | 11.25% | +2,344 bps | |
| Share Growth (YoY) | 10.25% | 7.46% | 2.95% | 2.22% | -3.02% | -1,327 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.21% | 0.22% | 0.20% | 0.50% | 0.24% | +3 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 | 15.53% | 16.20% | 15.35% | 15.68% | 15.65% | +13 bps | |
| Net Worth / Assets | 15.53% | 16.20% | 15.35% | 15.68% | 15.65% | +13 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 61.64% | 64.54% | 67.83% | 68.74% | 70.71% | +907 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Mesa, AZ · Charter 7715 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.67%
Rank 926 of 1,683
Net Interest Margin
4.19%
Rank 517 of 1,683
Efficiency Ratio
83.79%
Rank 1,128 of 1,682
Equity / Assets
15.66%
Rank 481 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.67% | 0.35% | 0.74% | 1.18% | Beats 45% | 926 / 1,683 | |
| Return on Equity | 4.26% | 2.67% | 5.89% | 8.74% | Beats 37% | 1,059 / 1,681 | |
| Net Interest Margin | 4.19% | 3.31% | 3.82% | 4.32% | Beats 69% | 517 / 1,683 | |
| Efficiency Ratio | 83.79% | 68.91% | 78.20% | 86.93% | Beats 33% | 1,128 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.24% | 0.26% | 0.65% | 1.29% | Beats 76% | 398 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 15.66% | 10.44% | 12.89% | 16.53% | Beats 71% | 481 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 15.66% | 10.44% | 12.89% | 16.53% | Beats 71% | 481 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 70.71% | 52.61% | 69.38% | 83.50% | 52nd pctl | 800 / 1,683 | |
| Loans / Assets | 59.43% | 44.71% | 59.18% | 70.72% | 51st pctl | 832 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||