Mesa, AZ · Charter 7715
NCUA · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.66% | 0.89% | 1.39% | 1.01% | 0.99% | 1.03% | 0.57% | 0.67% | -34 bps | |
| Return on Equity | 4.07% | 5.64% | 8.52% | 6.51% | 6.09% | 6.72% | 3.64% | 4.27% | -224 bps | |
| Net Interest Margin | 4.31% | 4.40% | 4.86% | 4.63% | 4.78% | 4.62% | 4.26% | 4.20% | -43 bps | |
| Efficiency Ratio | 85.01% | 80.58% | 72.33% | 78.75% | 79.93% | 78.75% | 86.42% | 83.69% | +494 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.13% | 4.16% | -0.10% | 9.90% | 7.48% | 2.17% | 1.49% | -2.90% | -1,279 bps | |
| Loan Growth (YoY) | -13.76% | -12.01% | -10.28% | -12.19% | -7.86% | -3.43% | -0.84% | 11.25% | +2,344 bps | |
| Share Growth (YoY) | 1.65% | 3.54% | -1.65% | 10.25% | 7.46% | 2.95% | 2.22% | -3.02% | -1,327 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.01% | 0.20% | 0.15% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.18% | 15.84% | 16.27% | 15.53% | 16.20% | 15.35% | 15.68% | 15.65% | +13 bps | |
| Net Worth / Assets | 16.18% | 15.84% | 16.27% | 15.53% | 16.20% | 15.35% | 15.68% | 15.65% | +13 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.28% | 72.31% | 70.86% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |