Salt Lake City, UT · Charter 24773
NCUA · 1 branch
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
63
Asset Quality
78
Profitability
31
Liquidity
69
Efficiency
33
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.
Salt Lake City, UT · Charter 24773
NCUA · 1 branch
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 | 0.13% | 0.25% | 0.53% | 1.05% | 0.59% | 0.55% | 0.38% | 0.41% | -64 bps | |
| Return on Equity | 0.69% | 1.29% | 2.72% | 5.40% | 2.96% | 2.97% | 2.09% | 2.15% | -325 bps | |
| Net Interest Margin | 3.41% | 3.46% | 3.67% | 3.65% | 3.60% | 3.33% | 3.21% | 3.44% | -21 bps | |
| Efficiency Ratio | 80.00% | 81.10% | 82.15% | 71.37% | 77.20% | 79.15% | 81.69% | 82.85% | +1,148 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.23% | -9.45% | -6.25% | -1.25% | -2.12% | 6.55% | 8.35% | 3.70% | +495 bps | |
| Loan Growth (YoY) | -9.57% | -6.15% | -3.99% | -1.51% | 0.66% | -4.78% | -4.34% | -8.27% | -676 bps | |
| Share Growth (YoY) | -10.15% | -11.71% | -8.15% | -2.49% | -3.26% | 7.45% | 9.66% | 4.16% | +665 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.15% | 0.14% | 0.13% | 0.36% | 0.12% | 0.12% | 0.07% | 0.07% | -29 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 | 19.02% | 19.08% | 19.36% | 19.47% | 20.03% | 18.48% | 18.40% | 19.05% | -42 bps | |
| Net Worth / Assets | 19.02% | 19.08% | 19.36% | 19.47% | 20.03% | 18.48% | 18.40% | 19.05% | -42 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 79.09% | 79.69% | 79.52% | 80.76% | 82.29% | 70.63% | 69.37% | 71.12% | -964 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Salt Lake City, UT · Charter 24773 · Peer group: credit unions under $1B in assets in the Salt Lake City-Murray, UT area (n=23-24)
NCUA · 1 branch
Q2 2026
Return on Assets
0.41%
Rank 18 of 24
Net Interest Margin
3.43%
Rank 14 of 24
Efficiency Ratio
83.00%
Rank 17 of 24
Equity / Assets
19.05%
Rank 9 of 24
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.41% | 0.41% | 0.67% | 1.12% | Beats 25% | 18 / 24 | ||
| Return on Equity | 2.16% | 2.16% | 5.02% | 6.69% | Beats 25% | 18 / 24 | ||
| Net Interest Margin | 3.43% | 3.10% | 3.61% | 4.01% | Beats 42% | 14 / 24 | ||
| Efficiency Ratio | 83.00% | 71.14% | 80.00% | 84.92% | Beats 33% | 17 / 24 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.07% | 0.07% | 0.54% | 1.38% | Beats 78% | 6 / 23 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 19.05% | 10.05% | 16.75% | 21.42% | Beats 63% | 9 / 24 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 19.05% | 10.05% | 16.75% | 21.42% | Beats 63% | 9 / 24 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 71.12% | 42.86% | 62.34% | 82.18% | 57th pctl | 10 / 23 | ||
| Loans / Assets | 57.41% | 32.11% | 55.16% | 70.89% | 58th pctl | 10 / 24 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||