Salt Lake City, UT · Charter 67056
NCUA · 3 branches
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
38
Asset Quality
87
Profitability
72
Liquidity
65
Efficiency
46
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 67056
NCUA · 3 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.36% | 0.73% | 1.39% | 0.43% | 0.87% | -49 bps | |
| Return on Equity | 12.34% | 6.42% | 12.20% | 3.60% | 7.19% | -515 bps | |
| Net Interest Margin | 4.29% | 4.29% | 4.15% | 3.72% | 3.88% | -40 bps | |
| Efficiency Ratio | 72.01% | 72.05% | 70.78% | 89.88% | 80.45% | +844 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.44% | -0.79% | 6.63% | -2.54% | 0.70% | +114 bps | |
| Loan Growth (YoY) | -9.04% | -4.01% | -2.80% | -7.73% | -4.46% | +458 bps | |
| Share Growth (YoY) | -2.96% | -2.44% | 5.32% | -4.59% | 0.49% | +344 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.17% | 0.02% | 0.02% | 0.04% | 0.02% | -15 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.01% | 11.36% | 11.43% | 11.88% | 12.09% | +108 bps | |
| Net Worth / Assets | 11.01% | 11.36% | 11.43% | 11.88% | 12.09% | +108 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 76.10% | 77.07% | 74.54% | 73.45% | 72.35% | -375 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Salt Lake City, UT · Charter 67056 · Peer group: credit unions under $1B in assets in the Salt Lake City-Murray, UT area (n=23-24)
NCUA · 3 branches
Q2 2026
Return on Assets
0.87%
Rank 8 of 24
Net Interest Margin
3.88%
Rank 7 of 24
Efficiency Ratio
80.47%
Rank 14 of 24
Equity / Assets
12.09%
Rank 15 of 24
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.87% | 0.41% | 0.67% | 1.12% | Beats 67% | 8 / 24 | |
| Return on Equity | 7.18% | 2.16% | 5.02% | 6.69% | Beats 79% | 5 / 24 | |
| Net Interest Margin | 3.88% | 3.10% | 3.61% | 4.01% | Beats 71% | 7 / 24 | |
| Efficiency Ratio | 80.47% | 71.14% | 80.00% | 84.92% | Beats 46% | 14 / 24 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.02% | 0.07% | 0.54% | 1.38% | Beats 87% | 4 / 23 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 12.09% | 10.05% | 16.75% | 21.42% | Beats 38% | 15 / 24 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 12.09% | 10.05% | 16.75% | 21.42% | Beats 38% | 15 / 24 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 72.35% | 42.86% | 62.34% | 82.18% | 61st pctl | 9 / 23 | |
| Loans / Assets | 62.90% | 32.11% | 55.16% | 70.89% | 67th pctl | 8 / 24 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||