Vernal, UT · Charter 14657
NCUA · 1 branch
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
98
Asset Quality
100
Profitability
27
Liquidity
25
Efficiency
8
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.
Vernal, UT · Charter 14657
NCUA · 1 branch
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 | 1.27% | 1.08% | 1.00% | 0.47% | 0.07% | -120 bps | |
| Return on Equity | 4.61% | 3.84% | 3.50% | 1.54% | 0.22% | -439 bps | |
| Net Interest Margin | 4.57% | 4.52% | 4.41% | 4.04% | 4.12% | -46 bps | |
| Efficiency Ratio | 74.09% | 77.59% | 78.86% | 89.29% | 98.36% | +2,427 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.52% | -2.00% | -0.44% | -5.41% | -16.73% | -1,621 bps | |
| Loan Growth (YoY) | -21.26% | -12.87% | -30.14% | -26.27% | -36.03% | -1,478 bps | |
| Share Growth (YoY) | -2.31% | -4.15% | -2.01% | -8.77% | -23.88% | -2,156 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 | 0.85% | 0.95% | 1.14% | 1.18% | 1.34% | +48 bps | |
| Capital | |||||||
| Risk-Based Capital | 27.56% | 28.18% | 28.58% | 30.39% | 33.54% | +598 bps | |
| Net Worth / Assets | 27.56% | 28.18% | 28.58% | 30.39% | 33.54% | +598 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 54.84% | 50.58% | 42.83% | 44.86% | 46.08% | -876 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Vernal, UT · Charter 14657 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.00%
Rank 1,478 of 1,683
Net Interest Margin
3.96%
Rank 699 of 1,683
Efficiency Ratio
100.00%
Rank 1,562 of 1,682
Equity / Assets
33.66%
Rank 31 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.00% | 0.35% | 0.74% | 1.18% | Beats 12% | 1,478 / 1,683 | |
| Return on Equity | 0.00% | 2.67% | 5.89% | 8.74% | Beats 12% | 1,478 / 1,681 | |
| Net Interest Margin | 3.96% | 3.31% | 3.82% | 4.32% | Beats 58% | 699 / 1,683 | |
| Efficiency Ratio | 100.00% | 68.91% | 78.20% | 86.93% | Beats 8% | 1,562 / 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 | 33.66% | 10.44% | 12.89% | 16.53% | Beats 98% | 31 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 33.66% | 10.44% | 12.89% | 16.53% | Beats 98% | 31 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 46.24% | 52.61% | 69.38% | 83.50% | 18th pctl | 1,385 / 1,683 | |
| Loans / Assets | 30.45% | 44.71% | 59.18% | 70.72% | 8th pctl | 1,543 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||