Salt Lake City, UT · Charter 528
NCUA · 11 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.10% | 1.11% | 0.81% | 0.95% | 0.95% | 1.03% | 1.02% | 1.04% | +9 bps | |
| Return on Equity | 11.26% | 11.24% | 8.22% | 9.45% | 9.64% | 10.04% | 9.97% | 10.04% | +59 bps | |
| Net Interest Margin | 3.38% | 3.37% | 3.35% | 3.45% | 3.39% | 3.46% | 3.48% | 3.51% | +5 bps | |
| Efficiency Ratio | 68.27% | 67.68% | 74.16% | 71.74% | 71.65% | 70.58% | 71.04% | 70.73% | -100 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.69% | 7.61% | 11.05% | 7.81% | 9.77% | 7.94% | 7.59% | 8.41% | +60 bps | |
| Loan Growth (YoY) | 6.51% | 7.79% | 9.93% | 12.49% | 10.23% | 10.00% | 8.97% | 9.02% | -347 bps | |
| Share Growth (YoY) | 11.11% | 8.87% | 13.82% | 9.42% | 13.10% | 10.83% | 10.31% | 11.00% | +159 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.61% | 0.56% | 0.35% | 0.33% | 0.25% | 0.27% | 0.17% | 0.13% | -19 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 | 9.75% | 9.92% | 9.82% | 10.09% | 9.88% | 10.22% | 10.20% | 10.38% | +29 bps | |
| Net Worth / Assets | 9.75% | 9.92% | 9.82% | 10.09% | 9.88% | 10.22% | 10.20% | 10.38% | +29 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 104.45% | 104.87% | 102.33% | 106.48% | 101.80% | 104.08% | 101.09% | 104.58% | -190 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |