PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Eastern Utah Community

Price, UT · Charter 24709

NCUA · 4 branches

Q2 2026

$219.2MAssets
$128.6MLoans
$187.4MShares
$30.9MNet Worth

Executive Summary

  • Earnings: ROA of 1.06%, down 6 bps year over year; NIM at 3.64%.
  • Asset quality: problem loans at 0.74% of loans (-15 bps YoY).
  • Capital: net worth / assets of 14.11%, up 82 bps from a year ago.
  • Funding: loans stand at 68.65% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.06%-6 bps YoY

Net Interest Margin (YTD, annualized)

3.64%+4 bps YoY

Efficiency Ratio (YTD, annualized)

69.29%+185 bps YoY

Net Worth / Assets

14.11%+82 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.57%1.56%0.93%1.12%1.21%1.24%0.87%1.06%-6 bps
Return on Equity12.00%11.43%6.82%8.41%9.10%9.18%6.49%7.52%-89 bps
Net Interest Margin3.47%3.57%3.70%3.60%3.56%3.54%3.47%3.64%+4 bps
Efficiency Ratio62.49%62.98%70.36%67.44%66.85%67.12%71.56%69.29%+185 bps
Growth
Asset Growth (YoY)8.51%5.62%0.66%6.34%7.86%10.42%11.19%2.59%-376 bps
Loan Growth (YoY)11.55%8.04%5.30%3.28%-0.42%0.40%-1.10%1.16%-212 bps
Share Growth (YoY)7.84%4.53%-1.01%5.64%7.52%10.42%11.46%1.56%-407 bps
Asset Quality
Delinquent Loans / Loans0.54%0.61%0.36%0.89%0.89%0.87%0.91%0.74%-15 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital13.10%13.66%13.70%13.29%13.30%13.53%13.47%14.11%+82 bps
Net Worth / Assets13.10%13.66%13.70%13.29%13.30%13.53%13.47%14.11%+82 bps
Liquidity & Funding
Loans / Shares73.14%73.59%74.18%68.92%67.74%66.91%65.82%68.65%-27 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps