Morgan, UT · Charter 16264
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
48
Asset Quality
61
Profitability
14
Liquidity
47
Efficiency
5
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.
Morgan, UT · Charter 16264
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 | 1.10% | 1.15% | 0.11% | -1.36% | -0.25% | -135 bps | |
| Return on Equity | 8.60% | 8.85% | 0.84% | -10.58% | -1.96% | -1,056 bps | |
| Net Interest Margin | 3.43% | 3.47% | 3.59% | 3.27% | 3.37% | -6 bps | |
| Efficiency Ratio | 70.46% | 68.78% | 81.99% | 74.70% | 106.70% | +3,625 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 12.84% | 8.98% | 6.13% | 10.27% | 0.13% | -1,271 bps | |
| Loan Growth (YoY) | 6.41% | 6.96% | 6.33% | 4.26% | 3.22% | -319 bps | |
| Share Growth (YoY) | 14.08% | 7.39% | 6.43% | 10.48% | -0.10% | -1,417 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.54% | 0.10% | 2.17% | 0.68% | 0.48% | -6 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.74% | 13.03% | 13.13% | 12.90% | 12.74% | -1 bps | |
| Net Worth / Assets | 12.74% | 13.03% | 13.13% | 12.90% | 12.74% | -1 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 78.86% | 80.41% | 81.62% | 79.36% | 81.48% | +262 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Morgan, UT · Charter 16264 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
-0.25%
Rank 1,546 of 1,683
Net Interest Margin
3.37%
Rank 1,225 of 1,683
Efficiency Ratio
106.68%
Rank 1,594 of 1,682
Equity / Assets
12.74%
Rank 867 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.25% | 0.35% | 0.74% | 1.18% | Beats 8% | 1,546 / 1,683 | |
| Return on Equity | -1.95% | 2.67% | 5.89% | 8.74% | Beats 8% | 1,551 / 1,681 | |
| Net Interest Margin | 3.37% | 3.31% | 3.82% | 4.32% | Beats 27% | 1,225 / 1,683 | |
| Efficiency Ratio | 106.68% | 68.91% | 78.20% | 86.93% | Beats 5% | 1,594 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.48% | 0.26% | 0.65% | 1.29% | Beats 61% | 659 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 12.74% | 10.44% | 12.89% | 16.53% | Beats 48% | 867 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 12.74% | 10.44% | 12.89% | 16.53% | Beats 48% | 867 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 81.48% | 52.61% | 69.38% | 83.50% | 72nd pctl | 470 / 1,683 | |
| Loans / Assets | 70.66% | 44.71% | 59.18% | 70.72% | 75th pctl | 425 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||