PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

National J. A. C. L.

Salt Lake City, UT · Charter 67005

NCUA · 2 branches

Q2 2026

$38.6MAssets
$21.3MLoans
$33.6MShares
$3.7MNet Worth

Executive Summary

  • Earnings: ROA of -0.07%, up 3 bps year over year; NIM at 2.78%.
  • Asset quality: problem loans at 1.71% of loans (+113 bps YoY).
  • Capital: net worth / assets of 9.69%, up 1 bps from a year ago.
  • Funding: loans stand at 63.27% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

-0.07%+3 bps YoY

Net Interest Margin (quarter, annualized)

2.78%+10 bps YoY

Efficiency Ratio (quarter, annualized)

98.24%-104 bps YoY

Net Worth / Assets

9.69%+1 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.00%-0.15%-0.17%-0.10%0.01%0.02%-0.11%-0.07%+3 bps
Return on Equity-0.03%-1.59%-1.74%-1.06%0.08%0.17%-1.11%-0.73%+34 bps
Net Interest Margin2.51%2.48%2.60%2.68%2.76%2.75%2.61%2.78%+10 bps
Efficiency Ratio96.78%102.23%101.50%99.28%95.67%95.40%99.43%98.24%-104 bps
Growth
Asset Growth (YoY)8.47%9.48%3.76%-0.66%-2.63%-2.10%0.52%-0.07%+59 bps
Loan Growth (YoY)-2.97%6.46%2.18%-4.53%1.83%-10.15%-10.54%0.18%+471 bps
Share Growth (YoY)6.89%11.34%4.76%2.73%0.22%-2.26%0.68%-0.03%-276 bps
Asset Quality
Delinquent Loans / Loans0.99%0.60%0.43%0.59%0.69%1.24%1.29%1.71%+113 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.66%9.50%9.57%9.67%9.73%9.65%9.53%9.69%+1 bps
Net Worth / Assets9.66%9.50%9.57%9.67%9.73%9.65%9.53%9.69%+1 bps
Liquidity & Funding
Loans / Shares60.68%64.62%64.01%63.13%61.65%59.40%56.88%63.27%+14 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps