Ogden, UT · Charter 24693
NCUA · 56 branches
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 | 1.44% | 1.43% | 1.52% | 1.61% | 1.60% | 1.65% | 1.56% | 1.57% | -4 bps | |
| Return on Equity | 10.99% | 10.79% | 11.89% | 12.35% | 12.31% | 12.48% | 11.82% | 11.89% | -45 bps | |
| Net Interest Margin | 3.14% | 3.12% | 3.27% | 3.37% | 3.36% | 3.37% | 3.43% | 3.43% | +6 bps | |
| Efficiency Ratio | 61.92% | 61.75% | 61.42% | 61.40% | 61.14% | 58.76% | 61.29% | 62.08% | +67 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.86% | 13.01% | 15.28% | 14.97% | 14.23% | 14.25% | 11.10% | 15.72% | +74 bps | |
| Loan Growth (YoY) | 9.20% | 11.34% | 15.11% | 18.65% | 21.59% | 18.79% | 13.60% | 14.30% | -435 bps | |
| Share Growth (YoY) | 11.67% | 13.67% | 16.21% | 15.63% | 13.76% | 14.20% | 10.84% | 15.39% | -24 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.27% | 0.50% | 0.34% | 0.31% | 0.33% | 0.35% | 0.41% | 0.47% | +16 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 | 13.13% | 13.22% | 12.80% | 13.02% | 13.03% | 13.22% | 13.16% | 13.20% | +18 bps | |
| Net Worth / Assets | 13.13% | 13.22% | 12.80% | 13.02% | 13.03% | 13.22% | 13.16% | 13.20% | +18 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 90.42% | 93.72% | 91.67% | 95.75% | 96.65% | 97.49% | 93.95% | 94.85% | -90 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |