PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Marisol

Phoenix, AZ · Charter 9469

NCUA · 3 branches

Q2 2026

$49.1MAssets
$27.7MLoans
$41.2MShares
$6.7MNet 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 0.32%, down 12 bps year over year; NIM at 4.35%.
  • Asset quality: problem loans at 0.58% of loans (-14 bps YoY).
  • Capital: net worth / assets of 13.72%, up 41 bps from a year ago.
  • Funding: loans stand at 67.15% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.32%-12 bps YoY

Net Interest Margin (quarter, annualized)

4.35%+11 bps YoY

Efficiency Ratio (quarter, annualized)

89.25%+266 bps YoY

Net Worth / Assets

13.72%+41 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.43%0.58%0.49%0.33%0.32%-12 bps
Return on Equity3.26%4.22%3.55%2.48%2.31%-95 bps
Net Interest Margin4.24%4.45%4.40%4.23%4.35%+11 bps
Efficiency Ratio86.59%83.13%84.29%88.96%89.25%+266 bps
Growth
Asset Growth (YoY)-1.49%0.33%1.30%2.93%-0.59%+90 bps
Loan Growth (YoY)3.83%1.47%-2.15%-1.91%-0.87%-470 bps
Share Growth (YoY)-1.92%-0.76%0.79%0.90%-1.94%-2 bps
Asset Quality
Delinquent Loans / Loans0.71%0.33%0.89%0.28%0.58%-14 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 Capital13.31%13.78%13.80%13.49%13.72%+41 bps
Net Worth / Assets13.31%13.78%13.80%13.49%13.72%+41 bps
Liquidity & Funding
Loans / Shares66.43%68.24%66.34%65.49%67.15%+72 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps