South Jordan, UT · Charter 24698
NCUA · 7 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 under $1B in assets in the Salt Lake City-Murray, UT area (n=23 to 24). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
4
Asset Quality
65
Profitability
43
Liquidity
95
Efficiency
37
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.
South Jordan, UT · Charter 24698
NCUA · 7 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 | 0.23% | 0.18% | 0.55% | 0.61% | 0.34% | 0.33% | 0.22% | 0.61% | -1 bps | |
| Return on Equity | 2.42% | 1.87% | 5.78% | 6.37% | 3.68% | 3.58% | 2.42% | 6.57% | +20 bps | |
| Net Interest Margin | 2.68% | 2.74% | 2.68% | 2.79% | 2.83% | 2.79% | 3.08% | 3.09% | +30 bps | |
| Efficiency Ratio | 89.86% | 90.59% | 83.67% | 81.66% | 87.07% | 86.75% | 89.41% | 82.35% | +69 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.49% | -0.60% | 3.10% | 4.53% | 6.27% | 10.77% | 7.86% | 7.27% | +274 bps | |
| Loan Growth (YoY) | -0.54% | -4.05% | -4.29% | 3.41% | 2.44% | 5.81% | 7.06% | 4.90% | +149 bps | |
| Share Growth (YoY) | 2.28% | 1.23% | 2.49% | 4.11% | 6.22% | 10.78% | 7.82% | 7.23% | +311 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.94% | 0.47% | 0.43% | 0.42% | 0.50% | 0.48% | 0.37% | 0.34% | -9 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 | 9.64% | 9.84% | 9.56% | 9.61% | 9.24% | 9.12% | 9.02% | 9.21% | -40 bps | |
| Net Worth / Assets | 9.64% | 9.84% | 9.56% | 9.61% | 9.24% | 9.12% | 9.02% | 9.21% | -40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 63.78% | 63.90% | 60.72% | 62.04% | 61.50% | 61.04% | 60.29% | 60.69% | -135 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
South Jordan, UT · Charter 24698 · Peer group: credit unions under $1B in assets in the Salt Lake City-Murray, UT area (n=23-24)
NCUA · 7 branches
Q2 2026
Return on Assets
0.60%
Rank 15 of 24
Net Interest Margin
3.10%
Rank 18 of 24
Efficiency Ratio
82.35%
Rank 16 of 24
Equity / Assets
9.21%
Rank 23 of 24
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.60% | 0.41% | 0.67% | 1.12% | Beats 38% | 15 / 24 | ||
| Return on Equity | 6.57% | 2.16% | 5.02% | 6.69% | Beats 67% | 8 / 24 | ||
| Net Interest Margin | 3.10% | 3.10% | 3.61% | 4.01% | Beats 25% | 18 / 24 | ||
| Efficiency Ratio | 82.35% | 71.14% | 80.00% | 84.92% | Beats 37% | 16 / 24 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.33% | 0.07% | 0.54% | 1.38% | Beats 65% | 9 / 23 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.21% | 10.05% | 16.75% | 21.42% | Beats 4% | 23 / 24 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.21% | 10.05% | 16.75% | 21.42% | Beats 4% | 23 / 24 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 60.69% | 42.86% | 62.34% | 82.18% | 43rd pctl | 13 / 23 | ||
| Loans / Assets | 55.37% | 32.11% | 55.16% | 70.89% | 54th pctl | 11 / 24 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||