Marisol Federal Credit Union
Total assets
$50.1M
▲ +2.9% YoY
Shares & deposits
$41.7M
▲ +0.9% YoY
Loans
$27.3M
▼ -1.9% YoY
Members
5,980
▼ -4.2% YoY
ROA (annualized)
0.33%
peers 0.60%
ROE (annualized)
2.48%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.9% | +1.3% | +1.6 pts |
| Share growth (YoY) | +0.9% | +0.7% | +0.2 pts |
| Loan growth (YoY) | -1.9% | -2.4% | +0.4 pts |
| ROA | 0.33% | 0.60% | -0.3 pts |
| ROE | 2.5% | 4.1% | -1.6 pts |
ROA ranks in the 37th percentile of its peer group · Q1 2026
Profile
- Established
- 1954
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 4
- Address
- Po Box 20525, Phoenix, AZ, 85036
- NCUA charter #
- 9469
- RSSD ID
- 17987
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $50.1M | $41.7M | $27.3M | $6.8M | $42K | 0.33% | 4.23% | 0.28% | 5,980 |
| Q4 2025 | $48.6M | $41.3M | $27.4M | $6.7M | $238K | 0.49% | 4.40% | 0.89% | 6,125 |
| Q3 2025 | $48.4M | $41.0M | $27.9M | $6.7M | $211K | 0.58% | 4.45% | 0.33% | 6,267 |
| Q2 2025 | $49.4M | $42.0M | $27.9M | $6.6M | $107K | 0.43% | 4.24% | 0.71% | 6,397 |
| Q1 2025 | $48.6M | $41.3M | $27.8M | $6.6M | $32K | 0.27% | 4.25% | 0.28% | 6,242 |
| Q4 2024 | $48.0M | $41.0M | $28.0M | $6.5M | $168K | 0.35% | 4.34% | 0.38% | 6,167 |
| Q3 2024 | $48.2M | $41.3M | $27.5M | $6.5M | $115K | 0.32% | 4.33% | 0.52% | 6,300 |
| Q2 2024 | $50.1M | $42.8M | $26.9M | $6.4M | $70K | 0.28% | 4.17% | 0.73% | 6,390 |
Loan mix (Q1 2026): real estate $13.4M · commercial $188K · consumer $12.7M · securities $11.7M
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.33% | 0.60% | — | |
Return on equity Annualized net income ÷ equity or net worth | 2.5% | 4.1% | — | |
Net interest margin Interest income − interest expense, ÷ assets | 4.23% | 3.83% | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.0% | 81.5% | — | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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