Phoenix, AZ · Charter 9469
NCUA · 3 branches
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
58
Asset Quality
55
Profitability
40
Liquidity
93
Efficiency
19
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.
Phoenix, AZ · Charter 9469
NCUA · 3 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.32% | 0.35% | 0.27% | 0.43% | 0.58% | 0.49% | 0.33% | 0.32% | -12 bps | |
| Return on Equity | 2.37% | 2.57% | 1.97% | 3.26% | 4.22% | 3.55% | 2.48% | 2.31% | -95 bps | |
| Net Interest Margin | 4.33% | 4.34% | 4.25% | 4.24% | 4.45% | 4.40% | 4.23% | 4.35% | +11 bps | |
| Efficiency Ratio | 89.99% | 89.28% | 89.82% | 86.59% | 83.13% | 84.29% | 88.96% | 89.25% | +266 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.27% | -4.35% | -5.61% | -1.49% | 0.33% | 1.30% | 2.93% | -0.59% | +90 bps | |
| Loan Growth (YoY) | 1.66% | 2.53% | 0.92% | 3.83% | 1.47% | -2.15% | -1.91% | -0.87% | -470 bps | |
| Share Growth (YoY) | -7.23% | -5.47% | -7.10% | -1.92% | -0.76% | 0.79% | 0.90% | -1.94% | -2 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.52% | 0.38% | 0.28% | 0.71% | 0.33% | 0.89% | 0.28% | 0.58% | -14 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 | 13.42% | 13.59% | 13.48% | 13.31% | 13.78% | 13.80% | 13.49% | 13.72% | +41 bps | |
| Net Worth / Assets | 13.42% | 13.59% | 13.48% | 13.31% | 13.78% | 13.80% | 13.49% | 13.72% | +41 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.74% | 68.34% | 67.37% | 66.43% | 68.24% | 66.34% | 65.49% | 67.15% | +72 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Phoenix, AZ · Charter 9469 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
0.32%
Rank 1,297 of 1,683
Net Interest Margin
4.35%
Rank 405 of 1,683
Efficiency Ratio
89.26%
Rank 1,362 of 1,682
Equity / Assets
13.72%
Rank 713 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.32% | 0.35% | 0.74% | 1.18% | Beats 23% | 1,297 / 1,683 | ||
| Return on Equity | 2.31% | 2.67% | 5.89% | 8.74% | Beats 22% | 1,310 / 1,681 | ||
| Net Interest Margin | 4.35% | 3.31% | 3.82% | 4.32% | Beats 76% | 405 / 1,683 | ||
| Efficiency Ratio | 89.26% | 68.91% | 78.20% | 86.93% | Beats 19% | 1,362 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.57% | 0.26% | 0.65% | 1.29% | Beats 55% | 766 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.72% | 10.44% | 12.89% | 16.53% | Beats 58% | 713 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 13.72% | 10.44% | 12.89% | 16.53% | Beats 58% | 713 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 67.15% | 52.61% | 69.38% | 83.50% | 46th pctl | 915 / 1,683 | ||
| Loans / Assets | 56.33% | 44.71% | 59.18% | 70.72% | 44th pctl | 943 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||