PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Devils Slide

Morgan, UT · Charter 16264

NCUA · 1 branch

Q2 2026

$20.9MAssets
$14.8MLoans
$18.2MShares
$2.7MNet 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 -0.25%, down 135 bps year over year; NIM at 3.37%.
  • Asset quality: problem loans at 0.48% of loans (-6 bps YoY).
  • Capital: net worth / assets of 12.74%, down 1 bps from a year ago.
  • Funding: loans stand at 81.48% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

-0.25%-135 bps YoY

Net Interest Margin (quarter, annualized)

3.37%-6 bps YoY

Efficiency Ratio (quarter, annualized)

106.70%+3,625 bps YoY

Net Worth / Assets

12.74%-1 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.10%1.15%0.11%-1.36%-0.25%-135 bps
Return on Equity8.60%8.85%0.84%-10.58%-1.96%-1,056 bps
Net Interest Margin3.43%3.47%3.59%3.27%3.37%-6 bps
Efficiency Ratio70.46%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 / Loans0.54%0.10%2.17%0.68%0.48%-6 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.74%13.03%13.13%12.90%12.74%-1 bps
Net Worth / Assets12.74%13.03%13.13%12.90%12.74%-1 bps
Liquidity & Funding
Loans / Shares78.86%80.41%81.62%79.36%81.48%+262 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps