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 | |