Vernal, UT · Charter 14657
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 | 1.38% | 0.25% | 0.79% | 1.27% | 1.08% | 1.00% | 0.47% | 0.07% | -120 bps | |
| Return on Equity | 5.17% | 0.92% | 2.84% | 4.61% | 3.84% | 3.50% | 1.54% | 0.22% | -439 bps | |
| Net Interest Margin | 4.73% | 4.72% | 4.71% | 4.57% | 4.52% | 4.41% | 4.04% | 4.12% | -46 bps | |
| Efficiency Ratio | 72.35% | 94.89% | 83.22% | 74.09% | 77.59% | 78.86% | 89.29% | 98.36% | +2,427 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.12% | -4.54% | -5.81% | -0.52% | -2.00% | -0.44% | -5.41% | -16.73% | -1,621 bps | |
| Loan Growth (YoY) | -29.93% | -20.73% | -26.05% | -21.26% | -12.87% | -30.14% | -26.27% | -36.03% | -1,478 bps | |
| Share Growth (YoY) | -6.21% | -7.81% | -8.91% | -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% | 0.00% | 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 | 0.83% | 0.80% | 0.87% | 0.85% | 0.95% | 1.14% | 1.18% | 1.34% | +48 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 26.60% | 27.46% | 27.91% | 27.56% | 28.18% | 28.58% | 30.39% | 33.54% | +598 bps | |
| Net Worth / Assets | 26.60% | 27.46% | 27.91% | 27.56% | 28.18% | 28.58% | 30.39% | 33.54% | +598 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 55.64% | 60.07% | 55.50% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |