Orem, UT · Charter 64332
NCUA · 6 branches
Q1 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 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.21% | 0.26% | 0.29% | 0.54% | 0.69% | 0.81% | 0.69% | 0.97% | +43 bps | |
| Return on Equity | 2.10% | 2.56% | 2.93% | 5.51% | 6.90% | 8.05% | 6.93% | 9.65% | +414 bps | |
| Net Interest Margin | 2.55% | 2.57% | 2.61% | 2.90% | 2.97% | 3.04% | 3.02% | 3.20% | +31 bps | |
| Efficiency Ratio | 85.34% | 83.43% | 81.72% | 78.02% | 74.16% | 72.10% | 76.47% | 72.12% | -590 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.56% | 5.27% | 6.52% | 6.96% | 6.49% | 6.07% | 7.71% | 6.47% | -50 bps | |
| Loan Growth (YoY) | 12.44% | 11.08% | 12.15% | 10.87% | 11.31% | 9.06% | 4.09% | 1.15% | -972 bps | |
| Share Growth (YoY) | 4.52% | 6.18% | 7.18% | 7.12% | 6.87% | 6.10% | 7.75% | 6.15% | -97 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.71% | 0.66% | 0.60% | 0.63% | 0.52% | 0.68% | 0.62% | 0.77% | +14 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 | 10.04% | 9.96% | 9.95% | 9.87% | 9.95% | 10.10% | 9.92% | 10.07% | +20 bps | |
| Net Worth / Assets | 10.04% | 9.96% | 9.95% | 9.87% | 9.95% | 10.10% | 9.92% | 10.07% | +20 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.90% | 77.82% | 79.83% | 79.58% | 81.13% | 79.99% | 77.12% | 75.84% | -375 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |