Morgan, UT · Charter 16264
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 | 1.63% | 1.56% | 0.84% | 1.10% | 1.15% | 0.11% | -1.36% | -0.25% | -135 bps | |
| Return on Equity | 12.62% | 11.86% | 6.21% | 8.60% | 8.85% | 0.84% | -10.58% | -1.96% | -1,056 bps | |
| Net Interest Margin | 3.83% | 3.82% | 3.68% | 3.43% | 3.47% | 3.59% | 3.27% | 3.37% | -6 bps | |
| Efficiency Ratio | 61.18% | 61.73% | 73.70% | 70.46% | 68.78% | 81.99% | 74.70% | 106.70% | +3,625 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.86% | -1.45% | -0.62% | 12.84% | 8.98% | 6.13% | 10.27% | 0.13% | -1,271 bps | |
| Loan Growth (YoY) | 3.56% | 0.98% | 2.22% | 6.41% | 6.96% | 6.33% | 4.26% | 3.22% | -319 bps | |
| Share Growth (YoY) | -5.09% | -3.94% | -1.42% | 14.08% | 7.39% | 6.43% | 10.48% | -0.10% | -1,417 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.11% | 0.00% | 0.45% | 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 | 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 | 12.89% | 13.19% | 13.50% | 12.74% | 13.03% | 13.13% | 12.90% | 12.74% | -1 bps | |
| Net Worth / Assets | 12.89% | 13.19% | 13.50% | 12.74% | 13.03% | 13.13% | 12.90% | 12.74% | -1 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.73% | 81.69% | 84.09% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |