West Valley Cit, UT · Charter 24708
NCUA · 12 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 | 0.72% | 0.76% | 0.65% | 0.67% | 0.70% | 0.79% | 0.95% | 0.89% | +22 bps | |
| Return on Equity | 8.97% | 9.44% | 8.25% | 8.37% | 8.70% | 9.62% | 11.47% | 10.57% | +220 bps | |
| Net Interest Margin | 2.95% | 2.97% | 3.07% | 3.17% | 3.20% | 3.23% | 3.36% | 3.38% | +21 bps | |
| Efficiency Ratio | 78.42% | 77.88% | 76.24% | 75.51% | 74.39% | 73.98% | 71.77% | 72.45% | -306 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.97% | 6.85% | 5.95% | 7.66% | 8.78% | 8.80% | 6.62% | 6.85% | -81 bps | |
| Loan Growth (YoY) | 6.57% | 8.29% | 6.61% | 8.24% | 6.96% | 2.06% | 3.22% | 2.51% | -572 bps | |
| Share Growth (YoY) | 5.95% | 6.48% | 5.46% | 7.46% | 8.27% | 8.06% | 5.87% | 5.93% | -153 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.69% | 0.67% | 0.58% | 0.62% | 0.69% | 0.76% | 0.70% | 0.75% | +13 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 | 7.97% | 8.09% | 7.93% | 8.04% | 8.06% | 8.21% | 8.28% | 8.41% | +37 bps | |
| Net Worth / Assets | 7.97% | 8.09% | 7.93% | 8.04% | 8.06% | 8.21% | 8.28% | 8.41% | +37 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 94.02% | 96.61% | 91.38% | 93.12% | 92.88% | 91.25% | 89.09% | 90.11% | -301 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |