Provo, UT · Charter 13833
NCUA · 2 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
33
Asset Quality
100
Profitability
27
Liquidity
37
Efficiency
16
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.
Provo, UT · Charter 13833
NCUA · 2 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.50% | 0.54% | 0.59% | 0.14% | 0.16% | -34 bps | |
| Return on Equity | 4.26% | 4.64% | 5.07% | 1.24% | 1.42% | -284 bps | |
| Net Interest Margin | 3.87% | 3.92% | 3.93% | 3.84% | 3.75% | -12 bps | |
| Efficiency Ratio | 84.18% | 82.40% | 81.22% | 92.40% | 90.88% | +670 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.61% | 8.31% | 11.24% | 8.99% | 10.09% | +148 bps | |
| Loan Growth (YoY) | 1.99% | 7.62% | 9.47% | 12.52% | 5.76% | +376 bps | |
| Share Growth (YoY) | 8.94% | 8.01% | 11.96% | 8.93% | 10.82% | +188 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 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 |
| Allowance / Loans | 0.56% | 0.61% | 0.50% | 0.00% | 0.00% | -56 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.78% | 11.72% | 11.57% | 11.38% | 11.11% | -67 bps | |
| Net Worth / Assets | 11.78% | 11.72% | 11.57% | 11.38% | 11.11% | -67 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 87.82% | 89.91% | 87.75% | 84.91% | 83.80% | -401 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Provo, UT · Charter 13833 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
0.15%
Rank 1,415 of 1,683
Net Interest Margin
3.76%
Rank 898 of 1,683
Efficiency Ratio
90.95%
Rank 1,410 of 1,682
Equity / Assets
11.11%
Rank 1,127 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.15% | 0.35% | 0.74% | 1.18% | Beats 16% | 1,415 / 1,683 | |
| Return on Equity | 1.39% | 2.67% | 5.89% | 8.74% | Beats 17% | 1,396 / 1,681 | |
| Net Interest Margin | 3.76% | 3.31% | 3.82% | 4.32% | Beats 47% | 898 / 1,683 | |
| Efficiency Ratio | 90.95% | 68.91% | 78.20% | 86.93% | Beats 16% | 1,410 / 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 | 11.11% | 10.44% | 12.89% | 16.53% | Beats 33% | 1,127 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 11.11% | 10.44% | 12.89% | 16.53% | Beats 33% | 1,127 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 83.81% | 52.61% | 69.38% | 83.50% | 76th pctl | 411 / 1,683 | |
| Loans / Assets | 74.74% | 44.71% | 59.18% | 70.72% | 82nd pctl | 295 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||