Salt Lake City, UT · Charter 61453
NCUA · 1 branch
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 in the Salt Lake City-Murray, UT area (n=23 to 24). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
88
Asset Quality
83
Profitability
3
Liquidity
0
Efficiency
12
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.
Salt Lake City, UT · Charter 61453
NCUA · 1 branch
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.71% | -0.76% | -1.19% | -0.43% | -0.27% | -0.09% | -14.30% | -7.86% | -743 bps | |
| Return on Equity | -3.22% | -3.33% | -4.66% | -1.57% | -0.94% | -0.31% | -52.63% | -29.32% | -2,775 bps | |
| Net Interest Margin | 1.47% | 1.52% | 2.03% | 2.34% | 2.48% | 2.53% | 2.57% | 2.52% | +18 bps | |
| Efficiency Ratio | 135.70% | 135.45% | 134.97% | 109.16% | 105.65% | 100.15% | 109.39% | 96.00% | -1,317 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.56% | -10.01% | -18.35% | -22.23% | -23.55% | -20.03% | -15.91% | -10.40% | +1,183 bps | |
| Loan Growth (YoY) | -6.08% | -12.07% | -10.10% | -12.64% | -12.35% | -9.51% | -10.90% | -10.48% | +216 bps | |
| Share Growth (YoY) | -6.40% | -11.84% | -22.33% | -27.92% | -29.79% | -25.94% | -17.74% | -9.68% | +1,824 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.26% | 0.09% | 0.00% | 0.10% | 0.00% | 0.00% | 0.05% | 0.03% | -7 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 | 21.94% | 22.88% | 25.57% | 27.41% | 28.41% | 28.72% | 27.17% | 26.81% | -59 bps | |
| Net Worth / Assets | 21.94% | 22.88% | 25.57% | 27.41% | 28.41% | 28.72% | 27.17% | 26.81% | -59 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 93.30% | 92.86% | 105.76% | 113.13% | 116.49% | 113.45% | 114.54% | 112.12% | -101 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Salt Lake City, UT · Charter 61453 · Peer group: credit unions under $1B in assets in the Salt Lake City-Murray, UT area (n=23-24)
NCUA · 1 branch
Q2 2026
Return on Assets
-7.86%
Rank 24 of 24
Net Interest Margin
2.52%
Rank 22 of 24
Efficiency Ratio
96.10%
Rank 22 of 24
Equity / Assets
26.81%
Rank 3 of 24
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -7.86% | 0.41% | 0.67% | 1.12% | Beats 0% | 24 / 24 | ||
| Return on Equity | -29.33% | 2.16% | 5.02% | 6.69% | Beats 0% | 24 / 24 | ||
| Net Interest Margin | 2.52% | 3.10% | 3.61% | 4.01% | Beats 8% | 22 / 24 | ||
| Efficiency Ratio | 96.10% | 71.14% | 80.00% | 84.92% | Beats 12% | 22 / 24 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.03% | 0.07% | 0.54% | 1.38% | Beats 83% | 5 / 23 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 26.81% | 10.05% | 16.75% | 21.42% | Beats 88% | 3 / 24 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 26.81% | 10.05% | 16.75% | 21.42% | Beats 88% | 3 / 24 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 112.12% | 42.86% | 62.34% | 82.18% | 96th pctl | 1 / 23 | ||
| Loans / Assets | 81.83% | 32.11% | 55.16% | 70.89% | 92nd pctl | 2 / 24 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||