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Desert Rivers

Moab, UT · Charter 24918

NCUA · 4 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets3

Basis

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.

Peer group

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.

Peer standing

Capital

6

Q2 2024Q2 2026peer median (50)

Asset Quality

24

Q2 2024Q2 2026peer median (50)

Profitability

56

Q2 2024Q2 2026peer median (50)

Liquidity

6

Q2 2024Q2 2026peer median

Efficiency

29

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Desert Rivers

Moab, UT · Charter 24918

NCUA · 4 branches

Q2 2026

$116.7MAssets
$96.5MLoans
$106.4MShares
$9.9MNet 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 0.51%, down 105 bps year over year; NIM at 4.61%.
  • Asset quality: problem loans at 1.34% of loans (+53 bps YoY).
  • Capital: net worth / assets of 8.44%, down 10 bps from a year ago.
  • Funding: loans stand at 90.65% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.51%-105 bps YoY

Net Interest Margin (YTD, annualized)

4.61%+7 bps YoY

Efficiency Ratio (YTD, annualized)

85.47%+1,278 bps YoY

Net Worth / Assets

8.44%-10 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.56%1.34%0.99%0.03%0.51%-105 bps
Return on Equity18.26%15.59%12.11%0.36%6.03%-1,223 bps
Net Interest Margin4.54%4.57%4.55%4.74%4.61%+7 bps
Efficiency Ratio72.69%73.67%76.02%87.00%85.47%+1,278 bps
Growth
Asset Growth (YoY)6.67%2.05%3.92%1.46%4.05%-262 bps
Loan Growth (YoY)2.88%2.00%8.93%9.57%8.50%+563 bps
Share Growth (YoY)5.77%0.88%-1.30%0.91%3.77%-200 bps
Asset Quality
Delinquent Loans / Loans0.81%1.07%1.48%1.43%1.34%+53 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 Capital8.54%8.61%8.20%8.47%8.44%-10 bps
Net Worth / Assets8.54%8.61%8.20%8.47%8.44%-10 bps
Liquidity & Funding
Loans / Shares86.70%86.22%94.02%94.11%90.65%+395 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Desert Rivers

Moab, UT · Charter 24918 · Peer group: credit unions under $1B in assets (n=1,681-1,683)

NCUA · 4 branches

Q2 2026

$116.7MAssets
$96.5MLoans
$106.4MShares
$9.9MNet Worth

Executive Summary

  • Strongest standing: net interest margin outperforms 83% of credit unions under $1B in assets (rank 281 of 1683).
  • Widest gap: equity / assets trails 94% of credit unions under $1B in assets (rank 1580 of 1683).
  • Overall: at or above the peer median on 2 of 7 directional measures.

Return on Assets

0.51%

Rank 1,127 of 1,683

Net Interest Margin

4.61%

Rank 281 of 1,683

Efficiency Ratio

85.45%

Rank 1,200 of 1,682

Equity / Assets

8.44%

Rank 1,580 of 1,683

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.51%0.35%0.74%1.18%Beats 33%1,127 / 1,683
Return on Equity6.03%2.67%5.89%8.74%Beats 51%817 / 1,681
Net Interest Margin4.61%3.31%3.82%4.32%Beats 83%281 / 1,683
Efficiency Ratio85.45%68.91%78.20%86.93%Beats 29%1,200 / 1,682
Asset Quality
Nonperforming Loans / Loans1.34%0.26%0.65%1.29%Beats 24%1,283 / 1,682
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio8.44%10.44%12.89%16.53%Beats 6%1,580 / 1,683
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets8.44%10.44%12.89%16.53%Beats 6%1,580 / 1,683
Liquidity & Funding
Loans / Deposits90.65%52.61%69.38%83.50%87th pctl218 / 1,683
Loans / Assets82.66%44.71%59.18%70.72%95th pctl83 / 1,683
Brokered Deposits / Depositsn/aNot reported for this institution