Salt Lake City, UT · Charter 14917
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 in the Salt Lake City-Murray, UT area (n=23 to 24). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
54
Asset Quality
22
Profitability
56
Liquidity
1
Efficiency
58
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.
Salt Lake City, UT · Charter 14917
NCUA · 1 branch
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.25% | 1.03% | 2.06% | 1.50% | 1.59% | 1.02% | 0.78% | 0.87% | -63 bps | |
| Return on Equity | 7.90% | 6.19% | 11.99% | 8.81% | 9.45% | 5.79% | 4.36% | 4.92% | -389 bps | |
| Net Interest Margin | 4.10% | 4.28% | 4.29% | 4.05% | 3.83% | 3.64% | 3.89% | 3.77% | -28 bps | |
| Efficiency Ratio | 63.31% | 66.21% | 56.14% | 64.40% | 61.97% | 73.00% | 77.04% | 73.77% | +937 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.51% | 3.65% | 4.38% | 3.02% | 1.84% | 0.78% | 0.00% | 0.47% | -255 bps | |
| Loan Growth (YoY) | -7.97% | -11.72% | -21.32% | -26.22% | -16.30% | -14.05% | -6.77% | 5.81% | +3,203 bps | |
| Share Growth (YoY) | -0.83% | 3.10% | 3.87% | 2.32% | 0.80% | -0.33% | -1.01% | -0.42% | -274 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.19% | 1.26% | 1.75% | 0.00% | 0.51% | 0.52% | 1.53% | 1.47% | +147 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 | 15.88% | 16.68% | 17.21% | 17.04% | 16.83% | 17.57% | 17.92% | 17.64% | +60 bps | |
| Net Worth / Assets | 15.88% | 16.68% | 17.21% | 17.04% | 16.83% | 17.57% | 17.92% | 17.64% | +60 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 36.57% | 36.44% | 32.17% | 29.04% | 30.37% | 31.42% | 30.30% | 30.85% | +182 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Salt Lake City, UT · Charter 14917 · Peer group: credit unions under $1B in assets in the Salt Lake City-Murray, UT area (n=23-24)
NCUA · 1 branch
Q2 2026
Return on Assets
0.86%
Rank 9 of 24
Net Interest Margin
3.76%
Rank 10 of 24
Efficiency Ratio
73.85%
Rank 11 of 24
Equity / Assets
17.65%
Rank 11 of 24
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.86% | 0.41% | 0.67% | 1.12% | Beats 63% | 9 / 24 | ||
| Return on Equity | 4.89% | 2.16% | 5.02% | 6.69% | Beats 46% | 13 / 24 | ||
| Net Interest Margin | 3.76% | 3.10% | 3.61% | 4.01% | Beats 58% | 10 / 24 | ||
| Efficiency Ratio | 73.85% | 71.14% | 80.00% | 84.92% | Beats 58% | 11 / 24 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.46% | 0.07% | 0.54% | 1.38% | Beats 22% | 19 / 23 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 17.65% | 10.05% | 16.75% | 21.42% | Beats 54% | 11 / 24 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 17.65% | 10.05% | 16.75% | 21.42% | Beats 54% | 11 / 24 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 30.85% | 42.86% | 62.34% | 82.18% | 13th pctl | 20 / 23 | ||
| Loans / Assets | 25.36% | 32.11% | 55.16% | 70.89% | 17th pctl | 20 / 24 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||