PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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