PackageTrendsPeer
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Wasatch Peaks

Ogden, UT · Charter 24780

NCUA · 6 branches

Q2 2026

$658.4MAssets
$551.9MLoans
$545.9MShares
$69.6MNet 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 0.79%, up 21 bps year over year; NIM at 2.74%.
  • Asset quality: problem loans at 0.10% of loans (-15 bps YoY).
  • Capital: net worth / assets of 10.57%, up 5 bps from a year ago.
  • Funding: loans stand at 101.09% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.79%+21 bps YoY

Net Interest Margin (quarter, annualized)

2.74%+28 bps YoY

Efficiency Ratio (quarter, annualized)

77.48%-383 bps YoY

Net Worth / Assets

10.57%+5 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.58%0.64%0.73%0.90%0.79%+21 bps
Return on Equity5.55%6.26%6.93%8.67%7.50%+195 bps
Net Interest Margin2.45%2.44%2.54%2.65%2.74%+28 bps
Efficiency Ratio81.31%79.43%77.33%75.96%77.48%-383 bps
Growth
Asset Growth (YoY)-1.52%4.35%7.32%8.38%7.98%+950 bps
Loan Growth (YoY)2.99%6.80%9.13%9.99%6.06%+306 bps
Share Growth (YoY)1.67%8.92%8.94%10.01%10.48%+881 bps
Asset Quality
Delinquent Loans / Loans0.25%0.31%0.27%0.12%0.10%-15 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 Capital10.52%10.27%10.60%10.40%10.57%+5 bps
Net Worth / Assets10.52%10.27%10.60%10.40%10.57%+5 bps
Liquidity & Funding
Loans / Shares105.32%102.49%102.54%99.87%101.09%-422 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps