Orem, UT · Charter 13965
NCUA · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.48% | 1.00% | 0.49% | 0.22% | 0.36% | 0.12% | -0.37% | 0.24% | +3 bps | |
| Return on Equity | 3.21% | 6.89% | 3.41% | 1.47% | 2.43% | 0.80% | -2.56% | 1.69% | +22 bps | |
| Net Interest Margin | 1.48% | 4.13% | 4.15% | 4.19% | 4.16% | 4.19% | 3.65% | 3.61% | -58 bps | |
| Efficiency Ratio | 68.29% | 76.64% | 88.55% | 95.03% | 91.61% | 97.22% | 109.68% | 92.05% | -298 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.54% | 1.74% | 7.71% | 3.52% | 4.11% | -2.91% | -0.46% | 3.70% | +18 bps | |
| Loan Growth (YoY) | -12.52% | -3.83% | -9.30% | -15.91% | -18.38% | -28.78% | -23.58% | -9.55% | +636 bps | |
| Share Growth (YoY) | -10.84% | 0.84% | 7.71% | 3.46% | 4.47% | -3.93% | -0.83% | 3.77% | +31 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.48% | 0.93% | 0.84% | 1.72% | 1.40% | 1.50% | 2.45% | 0.13% | -159 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 | 0.52% | 0.49% | 0.53% | 0.59% | 0.64% | 0.00% | 0.00% | 0.00% | -59 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.01% | 14.51% | 14.30% | 14.74% | 14.82% | 15.07% | 14.39% | 14.33% | -41 bps | |
| Net Worth / Assets | 15.01% | 14.51% | 14.30% | 14.74% | 14.82% | 15.07% | 14.39% | 14.33% | -41 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 91.45% | 92.44% | 84.68% | 77.81% | 71.45% | 68.53% | 65.26% | 67.82% | -999 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |