Fillmore, UT · Charter 60494
NCUA · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
39
Asset Quality
51
Profitability
54
Liquidity
45
Efficiency
64
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.
Fillmore, UT · Charter 60494
NCUA · 2 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.06% | 1.05% | 0.98% | 1.01% | 1.03% | -3 bps | |
| Return on Equity | 9.05% | 8.71% | 8.27% | 8.62% | 8.69% | -36 bps | |
| Net Interest Margin | 3.34% | 3.40% | 3.34% | 3.20% | 3.21% | -13 bps | |
| Efficiency Ratio | 68.92% | 68.91% | 71.39% | 73.29% | 73.38% | +446 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.49% | 5.29% | 4.11% | 4.50% | 6.96% | -152 bps | |
| Loan Growth (YoY) | 0.21% | -0.81% | -2.18% | -2.26% | -0.82% | -103 bps | |
| Share Growth (YoY) | 8.09% | 4.59% | 3.42% | 3.95% | 6.65% | -144 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.39% | 0.01% | 0.21% | 1.96% | 0.64% | +25 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.69% | 12.00% | 11.87% | 11.66% | 11.81% | +12 bps | |
| Net Worth / Assets | 11.69% | 12.00% | 11.87% | 11.66% | 11.81% | +12 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 56.35% | 55.99% | 55.01% | 52.63% | 52.41% | -395 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Fillmore, UT · Charter 60494 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
1.03%
Rank 570 of 1,683
Net Interest Margin
3.21%
Rank 1,331 of 1,683
Efficiency Ratio
73.42%
Rank 612 of 1,682
Equity / Assets
11.81%
Rank 1,027 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.03% | 0.35% | 0.74% | 1.18% | Beats 66% | 570 / 1,683 | |
| Return on Equity | 8.70% | 2.67% | 5.89% | 8.74% | Beats 74% | 429 / 1,681 | |
| Net Interest Margin | 3.21% | 3.31% | 3.82% | 4.32% | Beats 21% | 1,331 / 1,683 | |
| Efficiency Ratio | 73.42% | 68.91% | 78.20% | 86.93% | Beats 64% | 612 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.64% | 0.26% | 0.65% | 1.29% | Beats 51% | 828 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 11.81% | 10.44% | 12.89% | 16.53% | Beats 39% | 1,027 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 11.81% | 10.44% | 12.89% | 16.53% | Beats 39% | 1,027 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 52.41% | 52.61% | 69.38% | 83.50% | 25th pctl | 1,270 / 1,683 | |
| Loans / Assets | 46.41% | 44.71% | 59.18% | 70.72% | 28th pctl | 1,216 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||