Riverdale, UT · Charter 24694
NCUA · 122 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
60
Asset Quality
20
Profitability
84
Liquidity
55
Efficiency
84
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.
Riverdale, UT · Charter 24694
NCUA · 122 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 | 1.05% | 1.10% | 1.36% | 1.36% | 1.46% | 1.41% | 1.39% | 1.72% | +36 bps | |
| Return on Equity | 9.81% | 10.21% | 12.68% | 12.45% | 13.14% | 12.59% | 12.53% | 15.45% | +300 bps | |
| Net Interest Margin | 3.26% | 3.29% | 3.44% | 3.53% | 3.55% | 3.55% | 3.54% | 3.50% | -3 bps | |
| Efficiency Ratio | 58.54% | 57.75% | 55.55% | 54.95% | 53.65% | 54.51% | 55.65% | 52.30% | -265 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.62% | 12.34% | 11.29% | 10.25% | 9.23% | 9.43% | 9.53% | 13.52% | +327 bps | |
| Loan Growth (YoY) | 8.40% | 7.36% | 6.82% | 7.62% | 7.55% | 7.74% | 7.61% | 15.29% | +768 bps | |
| Share Growth (YoY) | 11.77% | 12.31% | 10.94% | 9.69% | 8.35% | 8.59% | 8.84% | 12.93% | +324 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.17% | 1.33% | 1.20% | 1.24% | 1.28% | 1.58% | 1.34% | 1.45% | +21 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 | 10.67% | 10.76% | 10.70% | 10.89% | 11.12% | 11.20% | 11.12% | 11.11% | +21 bps | |
| Net Worth / Assets | 10.67% | 10.76% | 10.70% | 10.89% | 11.12% | 11.20% | 11.12% | 11.11% | +21 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.98% | 80.80% | 78.35% | 79.57% | 80.38% | 80.16% | 77.46% | 81.23% | +167 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Riverdale, UT · Charter 24694 · Peer group: credit unions any (n=25)
NCUA · 122 branches
Q2 2026
Return on Assets
1.72%
Rank 4 of 25
Net Interest Margin
3.50%
Rank 7 of 25
Efficiency Ratio
52.30%
Rank 5 of 25
Equity / Assets
11.11%
Rank 10 of 25
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.72% | 0.54% | 0.87% | 1.36% | Beats 84% | 4 / 25 | ||
| Return on Equity | 15.45% | 5.49% | 9.20% | 10.99% | Beats 96% | 1 / 25 | ||
| Net Interest Margin | 3.50% | 2.86% | 3.13% | 3.50% | Beats 72% | 7 / 25 | ||
| Efficiency Ratio | 52.30% | 54.62% | 61.07% | 70.28% | Beats 84% | 5 / 25 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.45% | 0.64% | 0.92% | 1.30% | Beats 20% | 21 / 25 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.11% | 9.55% | 10.72% | 11.84% | Beats 60% | 10 / 25 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.11% | 9.55% | 10.72% | 11.84% | Beats 60% | 10 / 25 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 81.23% | 81.23% | 88.75% | 93.33% | 24th pctl | 19 / 25 | ||
| Loans / Assets | 70.96% | 68.82% | 78.26% | 79.51% | 28th pctl | 18 / 25 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||