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 | |