PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

C U P

Provo, UT · Charter 13833

NCUA · 2 branches

Q2 2026

$10.3MAssets
$7.7MLoans
$9.2MShares
$1.1MNet Worth

Executive Summary

  • Earnings: ROA of 0.16%, down 34 bps year over year; NIM at 3.75%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 11.11%, down 67 bps from a year ago.
  • Funding: loans stand at 83.80% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

0.16%-34 bps YoY

Net Interest Margin (quarter, annualized)

3.75%-12 bps YoY

Efficiency Ratio (quarter, annualized)

90.88%+670 bps YoY

Net Worth / Assets

11.11%-67 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.14%0.46%0.32%0.50%0.54%0.59%0.14%0.16%-34 bps
Return on Equity1.17%3.74%2.71%4.26%4.64%5.07%1.24%1.42%-284 bps
Net Interest Margin3.54%3.84%3.82%3.87%3.92%3.93%3.84%3.75%-12 bps
Efficiency Ratio90.30%83.48%88.61%84.18%82.40%81.22%92.40%90.88%+670 bps
Growth
Asset Growth (YoY)12.43%5.86%7.29%8.61%8.31%11.24%8.99%10.09%+148 bps
Loan Growth (YoY)5.43%0.92%-1.86%1.99%7.62%9.47%12.52%5.76%+376 bps
Share Growth (YoY)13.94%5.83%7.62%8.94%8.01%11.96%8.93%10.82%+188 bps
Asset Quality
Delinquent Loans / Loans0.04%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.45%0.50%0.56%0.56%0.61%0.50%0.00%0.00%-56 bps
Capital
Risk-Based Capital12.01%12.22%11.82%11.78%11.72%11.57%11.38%11.11%-67 bps
Net Worth / Assets12.01%12.22%11.82%11.78%11.72%11.57%11.38%11.11%-67 bps
Liquidity & Funding
Loans / Shares90.24%89.75%82.21%87.82%89.91%87.75%84.91%83.80%-401 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps