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 | |