PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Valley Wide

Vernal, UT · Charter 14657

NCUA · 1 branch

Q2 2026

$404KAssets
$123KLoans
$266KShares
$136KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.07%, down 120 bps year over year; NIM at 4.12%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 33.54%, up 598 bps from a year ago.
  • Funding: loans stand at 46.08% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.07%-120 bps YoY

Net Interest Margin (quarter, annualized)

4.12%-46 bps YoY

Efficiency Ratio (quarter, annualized)

98.36%+2,427 bps YoY

Net Worth / Assets

33.54%+598 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.27%1.08%1.00%0.47%0.07%-120 bps
Return on Equity4.61%3.84%3.50%1.54%0.22%-439 bps
Net Interest Margin4.57%4.52%4.41%4.04%4.12%-46 bps
Efficiency Ratio74.09%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 / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.85%0.95%1.14%1.18%1.34%+48 bps
Capital
Risk-Based Capital27.56%28.18%28.58%30.39%33.54%+598 bps
Net Worth / Assets27.56%28.18%28.58%30.39%33.54%+598 bps
Liquidity & Funding
Loans / Shares54.84%50.58%42.83%44.86%46.08%-876 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps