Riverdale, UT · Charter 24694
NCUA · 122 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |