Provo, UT · Charter 13833
NCUA · 2 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 | 0.14% | 0.46% | 0.32% | 0.50% | 0.54% | 0.59% | 0.14% | 0.16% | -34 bps | |
| Return on Equity | 1.17% | 3.74% | 2.71% | 4.26% | 4.64% | 5.07% | 1.24% | 1.42% | -284 bps | |
| Net Interest Margin | 3.54% | 3.84% | 3.82% | 3.87% | 3.92% | 3.93% | 3.84% | 3.75% | -12 bps | |
| Efficiency Ratio | 90.30% | 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 / Loans | 0.04% | 0.00% | 0.00% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.45% | 0.50% | 0.56% | 0.56% | 0.61% | 0.50% | 0.00% | 0.00% | -56 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.01% | 12.22% | 11.82% | 11.78% | 11.72% | 11.57% | 11.38% | 11.11% | -67 bps | |
| Net Worth / Assets | 12.01% | 12.22% | 11.82% | 11.78% | 11.72% | 11.57% | 11.38% | 11.11% | -67 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 90.24% | 89.75% | 82.21% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |