PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Mountain America

Sandy, UT · Charter 24692

NCUA · 106 branches

Q2 2026

$22.9BAssets
$18.8BLoans
$20.3BShares
$2.2BNet Worth

Executive Summary

  • Earnings: ROA of 0.87%, up 12 bps year over year; NIM at 3.91%.
  • Asset quality: problem loans at 1.30% of loans (+1 bps YoY).
  • Capital: net worth / assets of 9.55%, up 35 bps from a year ago.
  • Funding: loans stand at 92.42% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.87%+12 bps YoY

Net Interest Margin (YTD, annualized)

3.91%+19 bps YoY

Efficiency Ratio (YTD, annualized)

60.74%-89 bps YoY

Net Worth / Assets

9.55%+35 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.99%0.95%0.92%0.75%0.84%0.86%0.87%0.87%+12 bps
Return on Equity10.72%10.08%10.00%8.17%8.99%9.02%9.27%9.14%+97 bps
Net Interest Margin3.56%3.62%3.67%3.72%3.79%3.84%3.87%3.91%+19 bps
Efficiency Ratio61.68%62.26%61.90%61.63%60.53%59.84%61.23%60.74%-89 bps
Growth
Asset Growth (YoY)12.62%9.80%10.11%9.97%7.26%8.21%6.71%6.11%-386 bps
Loan Growth (YoY)7.16%9.32%7.80%7.78%9.01%8.26%8.08%7.18%-60 bps
Share Growth (YoY)13.24%11.42%11.92%11.54%8.52%8.40%6.28%5.96%-558 bps
Asset Quality
Delinquent Loans / Loans1.25%1.30%0.96%1.29%1.30%1.37%1.03%1.30%+1 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.20%9.41%9.18%9.20%9.37%9.52%9.41%9.55%+35 bps
Net Worth / Assets9.20%9.41%9.18%9.20%9.37%9.52%9.41%9.55%+35 bps
Liquidity & Funding
Loans / Shares92.03%93.76%90.08%91.37%92.45%93.64%91.61%92.42%+105 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps