Logan, UT · Charter 14571
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 | 1.22% | 1.18% | 0.42% | 1.34% | 1.05% | 0.95% | 1.35% | 1.01% | -33 bps | |
| Return on Equity | 7.04% | 6.53% | 2.36% | 7.45% | 5.88% | 5.17% | 7.35% | 5.50% | -194 bps | |
| Net Interest Margin | 2.88% | 3.00% | 1.01% | 3.14% | 3.03% | 3.14% | 3.48% | 3.32% | +18 bps | |
| Efficiency Ratio | 59.86% | 62.53% | 60.95% | 59.66% | 66.91% | 66.79% | 60.04% | 67.70% | +804 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.14% | -3.47% | 2.04% | 0.23% | 2.49% | 4.19% | 1.39% | 1.95% | +172 bps | |
| Loan Growth (YoY) | -1.23% | -4.43% | -7.75% | -11.03% | -8.92% | -9.92% | -9.89% | -6.12% | +491 bps | |
| Share Growth (YoY) | -1.34% | -5.63% | 0.91% | -1.29% | 1.61% | 3.81% | 0.39% | 1.21% | +250 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.91% | 0.54% | 0.22% | 0.85% | 1.29% | 3.24% | 0.55% | 2.80% | +194 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.34% | 18.13% | 17.68% | 17.95% | 17.93% | 18.35% | 18.41% | 18.38% | +43 bps | |
| Net Worth / Assets | 17.34% | 18.13% | 17.68% | 17.95% | 17.93% | 18.35% | 18.41% | 18.38% | +43 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.35% | 72.46% | 68.27% | 65.09% | 63.96% | 62.88% | 61.28% | 60.37% | -472 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |