Fillmore, UT · Charter 60494
NCUA · 2 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 | 1.07% | 1.12% | 1.11% | 1.06% | 1.05% | 0.98% | 1.01% | 1.03% | -3 bps | |
| Return on Equity | 9.28% | 9.77% | 9.85% | 9.05% | 8.71% | 8.27% | 8.62% | 8.69% | -36 bps | |
| Net Interest Margin | 3.40% | 3.33% | 3.24% | 3.34% | 3.40% | 3.34% | 3.20% | 3.21% | -13 bps | |
| Efficiency Ratio | 72.08% | 70.59% | 71.13% | 68.92% | 68.91% | 71.39% | 73.29% | 73.38% | +446 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.58% | 7.58% | 10.78% | 8.49% | 5.29% | 4.11% | 4.50% | 6.96% | -152 bps | |
| Loan Growth (YoY) | -0.81% | 2.75% | 5.72% | 0.21% | -0.81% | -2.18% | -2.26% | -0.82% | -103 bps | |
| Share Growth (YoY) | 1.52% | 7.07% | 10.65% | 8.09% | 4.59% | 3.42% | 3.95% | 6.65% | -144 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.02% | 0.00% | 0.38% | 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 | 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 | 11.55% | 11.42% | 11.30% | 11.69% | 12.00% | 11.87% | 11.66% | 11.81% | +12 bps | |
| Net Worth / Assets | 11.55% | 11.42% | 11.30% | 11.69% | 12.00% | 11.87% | 11.66% | 11.81% | +12 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.05% | 58.15% | 55.98% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |