Sandy, UT · Charter 24692
NCUA · 106 branches
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 any (n=25). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
24
Asset Quality
28
Profitability
59
Liquidity
70
Efficiency
56
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.
Sandy, UT · Charter 24692
NCUA · 106 branches
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 | 0.75% | 0.84% | 0.86% | 0.87% | 0.87% | +12 bps | |
| Return on Equity | 8.17% | 8.99% | 9.02% | 9.27% | 9.14% | +97 bps | |
| Net Interest Margin | 3.72% | 3.79% | 3.84% | 3.87% | 3.91% | +19 bps | |
| Efficiency Ratio | 61.63% | 60.53% | 59.84% | 61.23% | 60.74% | -89 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.97% | 7.26% | 8.21% | 6.71% | 6.11% | -386 bps | |
| Loan Growth (YoY) | 7.78% | 9.01% | 8.26% | 8.08% | 7.18% | -60 bps | |
| Share Growth (YoY) | 11.54% | 8.52% | 8.40% | 6.28% | 5.96% | -558 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.29% | 1.30% | 1.37% | 1.03% | 1.30% | +1 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 | 9.20% | 9.37% | 9.52% | 9.41% | 9.55% | +35 bps | |
| Net Worth / Assets | 9.20% | 9.37% | 9.52% | 9.41% | 9.55% | +35 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 91.37% | 92.45% | 93.64% | 91.61% | 92.42% | +105 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Sandy, UT · Charter 24692 · Peer group: credit unions any (n=25)
NCUA · 106 branches
Q2 2026
Return on Assets
0.87%
Rank 14 of 25
Net Interest Margin
3.91%
Rank 3 of 25
Efficiency Ratio
60.74%
Rank 12 of 25
Equity / Assets
9.55%
Rank 19 of 25
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.87% | 0.54% | 0.87% | 1.36% | Beats 44% | 14 / 25 | |
| Return on Equity | 9.14% | 5.49% | 9.20% | 10.99% | Beats 44% | 14 / 25 | |
| Net Interest Margin | 3.91% | 2.86% | 3.13% | 3.50% | Beats 88% | 3 / 25 | |
| Efficiency Ratio | 60.74% | 54.62% | 61.07% | 70.28% | Beats 56% | 12 / 25 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.30% | 0.64% | 0.92% | 1.30% | Beats 28% | 19 / 25 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.55% | 9.55% | 10.72% | 11.84% | Beats 24% | 19 / 25 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.55% | 9.55% | 10.72% | 11.84% | Beats 24% | 19 / 25 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 92.42% | 81.23% | 88.75% | 93.33% | 60th pctl | 10 / 25 | |
| Loans / Assets | 82.10% | 68.82% | 78.26% | 79.51% | 84th pctl | 4 / 25 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||