Ogden, UT · Charter 24780
NCUA · 6 branches
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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
26
Asset Quality
86
Profitability
42
Liquidity
0
Efficiency
52
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.
Ogden, UT · Charter 24780
NCUA · 6 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% | 0.74% | 0.51% | 0.58% | 0.64% | 0.73% | 0.90% | 0.79% | +21 bps | |
| Return on Equity | 7.16% | 7.03% | 4.90% | 5.55% | 6.26% | 6.93% | 8.67% | 7.50% | +195 bps | |
| Net Interest Margin | 2.35% | 2.43% | 2.36% | 2.45% | 2.44% | 2.54% | 2.65% | 2.74% | +28 bps | |
| Efficiency Ratio | 78.66% | 78.19% | 83.76% | 81.31% | 79.43% | 77.33% | 75.96% | 77.48% | -383 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.65% | -0.12% | -1.45% | -1.52% | 4.35% | 7.32% | 8.38% | 7.98% | +950 bps | |
| Loan Growth (YoY) | -4.40% | -6.13% | -5.54% | 2.99% | 6.80% | 9.13% | 9.99% | 6.06% | +306 bps | |
| Share Growth (YoY) | 2.36% | 2.83% | 3.30% | 1.67% | 8.92% | 8.94% | 10.01% | 10.48% | +881 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.26% | 0.41% | 0.21% | 0.25% | 0.31% | 0.27% | 0.12% | 0.10% | -15 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 | 10.05% | 10.59% | 10.40% | 10.52% | 10.27% | 10.60% | 10.40% | 10.57% | +5 bps | |
| Net Worth / Assets | 10.05% | 10.59% | 10.40% | 10.52% | 10.27% | 10.60% | 10.40% | 10.57% | +5 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 104.52% | 102.36% | 99.88% | 105.32% | 102.49% | 102.54% | 99.87% | 101.09% | -422 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Ogden, UT · Charter 24780 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 6 branches
Q2 2026
Return on Assets
0.79%
Rank 790 of 1,683
Net Interest Margin
2.74%
Rank 1,560 of 1,683
Efficiency Ratio
77.47%
Rank 802 of 1,682
Equity / Assets
10.57%
Rank 1,243 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.79% | 0.35% | 0.74% | 1.18% | Beats 53% | 790 / 1,683 | ||
| Return on Equity | 7.50% | 2.67% | 5.89% | 8.74% | Beats 65% | 584 / 1,681 | ||
| Net Interest Margin | 2.74% | 3.31% | 3.82% | 4.32% | Beats 7% | 1,560 / 1,683 | ||
| Efficiency Ratio | 77.47% | 68.91% | 78.20% | 86.93% | Beats 52% | 802 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.10% | 0.26% | 0.65% | 1.29% | Beats 86% | 232 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.57% | 10.44% | 12.89% | 16.53% | Beats 26% | 1,243 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.57% | 10.44% | 12.89% | 16.53% | Beats 26% | 1,243 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 101.09% | 52.61% | 69.38% | 83.50% | 97th pctl | 50 / 1,683 | ||
| Loans / Assets | 83.83% | 44.71% | 59.18% | 70.72% | 96th pctl | 63 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||