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 | |