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 | |