PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Em

Mesa, AZ · Charter 7715

NCUA · 1 branch

Q2 2026

$11.7MAssets
$6.9MLoans
$9.8MShares
$1.8MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.67%, down 34 bps year over year; NIM at 4.20%.
  • Asset quality: problem loans at 0.24% of loans (+3 bps YoY).
  • Capital: net worth / assets of 15.65%, up 13 bps from a year ago.
  • Funding: loans stand at 70.71% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.67%-34 bps YoY

Net Interest Margin (YTD, annualized)

4.20%-43 bps YoY

Efficiency Ratio (YTD, annualized)

83.69%+494 bps YoY

Net Worth / Assets

15.65%+13 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.01%0.99%1.03%0.57%0.67%-34 bps
Return on Equity6.51%6.09%6.72%3.64%4.27%-224 bps
Net Interest Margin4.63%4.78%4.62%4.26%4.20%-43 bps
Efficiency Ratio78.75%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 / Loans0.21%0.22%0.20%0.50%0.24%+3 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital15.53%16.20%15.35%15.68%15.65%+13 bps
Net Worth / Assets15.53%16.20%15.35%15.68%15.65%+13 bps
Liquidity & Funding
Loans / Shares61.64%64.54%67.83%68.74%70.71%+907 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps