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Alpine

Orem, UT · Charter 64332

NCUA · 6 branches

Q1 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets3

Basis

Quarter: Q1 2026, the quarter ended March 31, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Credit unions under $1B in assets (n=1,674 to 1,677). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

23

Q2 2024Q1 2026peer median (50)

Asset Quality

40

Q2 2024Q1 2026peer median (50)

Profitability

56

Q2 2024Q1 2026peer median (50)

Liquidity

68

Q2 2024Q1 2026peer median

Efficiency

69

Q2 2024Q1 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Alpine

Orem, UT · Charter 64332

NCUA · 6 branches

Q1 2026

$362.8MAssets
$245.5MLoans
$323.7MShares
$36.5MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.97%, up 43 bps year over year; NIM at 3.20%.
  • Asset quality: problem loans at 0.77% of loans (+14 bps YoY).
  • Capital: net worth / assets of 10.07%, up 20 bps from a year ago.
  • Funding: loans stand at 75.84% of shares as of Q1 2026.

Financial Results

Return on Assets (YTD, annualized)

0.97%+43 bps YoY

Net Interest Margin (YTD, annualized)

3.20%+31 bps YoY

Efficiency Ratio (YTD, annualized)

72.12%-590 bps YoY

Net Worth / Assets

10.07%+20 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2025Q2 2025Q3 2025Q4 2025Q1 2026YoY ΔTrend
Earnings
Return on Assets0.54%0.69%0.81%0.69%0.97%+43 bps
Return on Equity5.51%6.90%8.05%6.93%9.65%+414 bps
Net Interest Margin2.90%2.97%3.04%3.02%3.20%+31 bps
Efficiency Ratio78.02%74.16%72.10%76.47%72.12%-590 bps
Growth
Asset Growth (YoY)6.96%6.49%6.07%7.71%6.47%-50 bps
Loan Growth (YoY)10.87%11.31%9.06%4.09%1.15%-972 bps
Share Growth (YoY)7.12%6.87%6.10%7.75%6.15%-97 bps
Asset Quality
Delinquent Loans / Loans0.63%0.52%0.68%0.62%0.77%+14 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.87%9.95%10.10%9.92%10.07%+20 bps
Net Worth / Assets9.87%9.95%10.10%9.92%10.07%+20 bps
Liquidity & Funding
Loans / Shares79.58%81.13%79.99%77.12%75.84%-375 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-10

Alpine

Orem, UT · Charter 64332 · Peer group: credit unions under $1B in assets (n=1,674-1,677)

NCUA · 6 branches

Q1 2026

$362.8MAssets
$245.5MLoans
$323.7MShares
$36.5MNet Worth

Executive Summary

  • Strongest standing: return on equity outperforms 80% of credit unions under $1B in assets (rank 328 of 1674).
  • Widest gap: net interest margin trails 78% of credit unions under $1B in assets (rank 1303 of 1676).
  • Overall: at or above the peer median on 3 of 7 directional measures.

Return on Assets

0.97%

Rank 575 of 1,677

Net Interest Margin

3.20%

Rank 1,303 of 1,676

Efficiency Ratio

72.11%

Rank 513 of 1,674

Equity / Assets

10.07%

Rank 1,293 of 1,676

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.97%0.29%0.71%1.15%Beats 66%575 / 1,677
Return on Equity9.66%2.30%5.46%8.75%Beats 80%328 / 1,674
Net Interest Margin3.20%3.27%3.78%4.29%Beats 22%1,303 / 1,676
Efficiency Ratio72.11%69.04%78.86%87.73%Beats 69%513 / 1,674
Asset Quality
Nonperforming Loans / Loans0.77%0.23%0.59%1.15%Beats 40%1,004 / 1,675
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio10.07%10.32%12.68%16.26%Beats 23%1,294 / 1,677
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets10.07%10.32%12.68%16.26%Beats 23%1,293 / 1,676
Liquidity & Funding
Loans / Deposits75.84%52.64%68.65%82.42%63rd pctl617 / 1,676
Loans / Assets67.65%44.39%58.63%70.08%69th pctl512 / 1,676
Brokered Deposits / Depositsn/aNot reported for this institution