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Salt Lake City, UT · Charter 24710

NCUA · 23 branches

Q2 2026

$2.1BAssets
$1.8BLoans
$1.8BShares
$210.3MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.63%, up 23 bps year over year; NIM at 3.21%.
  • Asset quality: problem loans at 1.36% of loans (+67 bps YoY).
  • Capital: net worth / assets of 9.80%, up 16 bps from a year ago.
  • Funding: loans stand at 94.93% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.63%+23 bps YoY

Net Interest Margin (YTD, annualized)

3.21%+17 bps YoY

Efficiency Ratio (YTD, annualized)

76.35%-581 bps YoY

Net Worth / Assets

9.80%+16 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.41%0.46%0.52%0.59%0.63%+23 bps
Return on Equity4.22%4.73%5.35%6.14%6.48%+226 bps
Net Interest Margin3.04%3.08%3.10%3.17%3.21%+17 bps
Efficiency Ratio82.16%80.18%78.47%75.14%76.35%-581 bps
Growth
Asset Growth (YoY)5.60%4.82%4.57%4.02%4.01%-159 bps
Loan Growth (YoY)4.99%2.78%8.39%6.18%3.06%-193 bps
Share Growth (YoY)3.99%6.84%5.77%4.83%4.64%+65 bps
Asset Quality
Delinquent Loans / Loans0.69%0.53%0.82%0.85%1.36%+67 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.63%9.68%9.63%9.65%9.80%+16 bps
Net Worth / Assets9.63%9.68%9.63%9.65%9.80%+16 bps
Liquidity & Funding
Loans / Shares96.38%97.09%99.34%95.37%94.93%-146 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps