Ogden, UT · Charter 11520
NCUA · 4 branches
Q1 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 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.13% | -0.07% | -0.04% | -0.11% | 0.10% | 0.14% | 0.15% | 0.02% | +13 bps | |
| Return on Equity | -1.35% | -0.74% | -0.44% | -1.19% | 1.07% | 1.47% | 1.61% | 0.24% | +143 bps | |
| Net Interest Margin | 2.84% | 2.88% | 2.85% | 2.92% | 3.03% | 3.01% | 3.00% | 3.01% | +8 bps | |
| Efficiency Ratio | 98.62% | 95.63% | 94.96% | 95.00% | 92.43% | 91.39% | 90.75% | 92.85% | -215 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.62% | 1.25% | 1.71% | -1.27% | -0.33% | 2.19% | 2.20% | 3.16% | +443 bps | |
| Loan Growth (YoY) | 3.31% | 2.25% | -0.59% | -3.16% | -6.68% | -7.28% | -8.39% | -9.05% | -589 bps | |
| Share Growth (YoY) | 2.93% | 1.90% | 3.97% | 0.88% | 0.31% | 3.90% | 2.41% | 3.44% | +256 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.52% | 0.78% | 1.16% | 0.72% | 0.43% | 0.53% | 0.92% | 0.76% | +3 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 | 9.37% | 9.42% | 9.18% | 9.20% | 9.36% | 9.22% | 9.02% | 8.99% | -21 bps | |
| Net Worth / Assets | 9.37% | 9.42% | 9.18% | 9.20% | 9.36% | 9.22% | 9.02% | 8.99% | -21 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 95.58% | 95.21% | 91.33% | 89.57% | 88.93% | 84.96% | 81.70% | 78.75% | -1,082 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |