Douglas, AZ · Charter 9897
NCUA · 2 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 | 1.62% | 1.63% | 1.79% | 1.83% | 1.70% | 1.58% | 2.26% | 2.27% | +44 bps | |
| Return on Equity | 12.71% | 12.24% | 13.74% | 13.30% | 11.96% | 10.87% | 15.79% | 15.07% | +177 bps | |
| Net Interest Margin | 4.14% | 4.23% | 4.20% | 4.31% | 4.42% | 4.43% | 4.15% | 4.21% | -9 bps | |
| Efficiency Ratio | 64.85% | 64.34% | 64.69% | 64.68% | 63.77% | 62.68% | 63.19% | 63.22% | -147 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.13% | -0.35% | 2.93% | -0.08% | 1.12% | 2.96% | 2.37% | 3.26% | +334 bps | |
| Loan Growth (YoY) | 14.52% | 9.78% | 2.02% | -5.93% | -9.53% | -14.40% | -9.36% | -4.83% | +110 bps | |
| Share Growth (YoY) | -7.37% | -2.29% | 1.67% | -1.92% | -0.66% | 1.52% | 0.75% | 1.60% | +353 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.58% | 0.58% | 0.81% | 0.81% | 1.15% | 0.76% | 0.56% | 0.61% | -20 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 | 12.78% | 13.35% | 13.02% | 13.78% | 14.26% | 14.49% | 14.29% | 15.06% | +128 bps | |
| Net Worth / Assets | 12.78% | 13.35% | 13.02% | 13.78% | 14.26% | 14.49% | 14.29% | 15.06% | +128 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 55.47% | 57.39% | 51.96% | 50.88% | 50.52% | 48.39% | 46.75% | 47.66% | -322 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |