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 | |