Fairview, UT · Charter 13224
NCUA · 3 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
92
Asset Quality
100
Profitability
42
Liquidity
47
Efficiency
83
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Fairview, UT · Charter 13224
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 | 0.64% | 0.59% | 4.29% | 0.06% | 0.33% | 0.34% | 0.88% | 1.06% | +100 bps | |
| Return on Equity | 2.84% | 2.55% | 18.66% | 0.28% | 1.45% | 1.52% | 3.78% | 4.54% | +426 bps | |
| Net Interest Margin | 2.91% | 2.88% | 3.25% | 2.88% | 2.96% | 2.97% | 3.12% | 3.28% | +39 bps | |
| Efficiency Ratio | 77.88% | 79.46% | 33.69% | 82.97% | 79.39% | 78.00% | 71.71% | 66.99% | -1,597 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.25% | -1.37% | 6.37% | 6.11% | 1.45% | 4.35% | 1.02% | 0.21% | -590 bps | |
| Loan Growth (YoY) | -20.30% | -22.01% | -22.10% | -19.27% | -13.13% | -12.34% | -9.33% | 3.84% | +2,311 bps | |
| Share Growth (YoY) | -2.72% | -2.71% | 7.72% | 7.59% | 1.58% | 5.24% | 0.71% | -0.72% | -831 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.62% | 0.00% | 0.00% | 0.00% | 0.40% | 0.00% | 0.00% | 0.00% | 0 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 | 1.44% | 0.87% | 1.22% | 1.37% | 1.28% | 1.50% | 1.59% | 1.50% | +13 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 22.63% | 23.26% | 22.96% | 22.67% | 22.65% | 22.63% | 23.30% | 23.47% | +80 bps | |
| Net Worth / Assets | 22.63% | 23.26% | 22.96% | 22.67% | 22.65% | 22.63% | 23.30% | 23.47% | +80 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 96.49% | 94.37% | 84.93% | 77.90% | 82.51% | 78.61% | 76.47% | 81.48% | +358 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Fairview, UT · Charter 13224 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
0.98%
Rank 610 of 1,683
Net Interest Margin
3.28%
Rank 1,284 of 1,683
Efficiency Ratio
65.00%
Rank 296 of 1,682
Equity / Assets
23.46%
Rank 129 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.98% | 0.35% | 0.74% | 1.18% | Beats 64% | 610 / 1,683 | ||
| Return on Equity | 4.20% | 2.67% | 5.89% | 8.74% | Beats 37% | 1,064 / 1,681 | ||
| Net Interest Margin | 3.28% | 3.31% | 3.82% | 4.32% | Beats 24% | 1,284 / 1,683 | ||
| Efficiency Ratio | 65.00% | 68.91% | 78.20% | 86.93% | Beats 83% | 296 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.26% | 0.65% | 1.29% | Beats 100% | 132 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 23.46% | 10.44% | 12.89% | 16.53% | Beats 92% | 129 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 23.46% | 10.44% | 12.89% | 16.53% | Beats 92% | 129 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 81.49% | 52.61% | 69.38% | 83.50% | 72nd pctl | 469 / 1,683 | ||
| Loans / Assets | 62.10% | 44.71% | 59.18% | 70.72% | 57th pctl | 726 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||