Em
Mesa, AZ · Charter 7715 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$11.7MAssets
$6.9MLoans
$9.8MShares
$1.8MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 76% of credit unions under $1B in assets (rank 398 of 1682).
- Widest gap: efficiency ratio trails 67% of credit unions under $1B in assets (rank 1128 of 1682).
- Overall: at or above the peer median on 4 of 7 directional measures.
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 | 8-Qtr Trend | 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 |