PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Goldenwest

Ogden, UT · Charter 24693

NCUA · 56 branches

Q2 2026

$4.3BAssets
$3.5BLoans
$3.7BShares
$571.9MNet 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 1.57%, down 4 bps year over year; NIM at 3.43%.
  • Asset quality: problem loans at 0.47% of loans (+16 bps YoY).
  • Capital: net worth / assets of 13.20%, up 18 bps from a year ago.
  • Funding: loans stand at 94.85% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.57%-4 bps YoY

Net Interest Margin (YTD, annualized)

3.43%+6 bps YoY

Efficiency Ratio (YTD, annualized)

62.08%+67 bps YoY

Net Worth / Assets

13.20%+18 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.61%1.60%1.65%1.56%1.57%-4 bps
Return on Equity12.35%12.31%12.48%11.82%11.89%-45 bps
Net Interest Margin3.37%3.36%3.37%3.43%3.43%+6 bps
Efficiency Ratio61.40%61.14%58.76%61.29%62.08%+67 bps
Growth
Asset Growth (YoY)14.97%14.23%14.25%11.10%15.72%+74 bps
Loan Growth (YoY)18.65%21.59%18.79%13.60%14.30%-435 bps
Share Growth (YoY)15.63%13.76%14.20%10.84%15.39%-24 bps
Asset Quality
Delinquent Loans / Loans0.31%0.33%0.35%0.41%0.47%+16 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 Capital13.02%13.03%13.22%13.16%13.20%+18 bps
Net Worth / Assets13.02%13.03%13.22%13.16%13.20%+18 bps
Liquidity & Funding
Loans / Shares95.75%96.65%97.49%93.95%94.85%-90 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps