PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Southeastern Arizona

Douglas, AZ · Charter 9897

NCUA · 2 branches

Q2 2026

$48.3MAssets
$19.4MLoans
$40.8MShares
$7.3MNet 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 2.27%, up 44 bps year over year; NIM at 4.21%.
  • Asset quality: problem loans at 0.61% of loans (-20 bps YoY).
  • Capital: net worth / assets of 15.06%, up 128 bps from a year ago.
  • Funding: loans stand at 47.66% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

2.27%+44 bps YoY

Net Interest Margin (quarter, annualized)

4.21%-9 bps YoY

Efficiency Ratio (quarter, annualized)

63.22%-147 bps YoY

Net Worth / Assets

15.06%+128 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.83%1.70%1.58%2.26%2.27%+44 bps
Return on Equity13.30%11.96%10.87%15.79%15.07%+177 bps
Net Interest Margin4.31%4.42%4.43%4.15%4.21%-9 bps
Efficiency Ratio64.68%63.77%62.68%63.19%63.22%-147 bps
Growth
Asset Growth (YoY)-0.08%1.12%2.96%2.37%3.26%+334 bps
Loan Growth (YoY)-5.93%-9.53%-14.40%-9.36%-4.83%+110 bps
Share Growth (YoY)-1.92%-0.66%1.52%0.75%1.60%+353 bps
Asset Quality
Delinquent Loans / Loans0.81%1.15%0.76%0.56%0.61%-20 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 Capital13.78%14.26%14.49%14.29%15.06%+128 bps
Net Worth / Assets13.78%14.26%14.49%14.29%15.06%+128 bps
Liquidity & Funding
Loans / Shares50.88%50.52%48.39%46.75%47.66%-322 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps