PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

P & S

Salt Lake City, UT · Charter 67056

NCUA · 3 branches

Q2 2026

$24.9MAssets
$15.7MLoans
$21.6MShares
$3.0MNet 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 0.87%, down 49 bps year over year; NIM at 3.88%.
  • Asset quality: problem loans at 0.02% of loans (-15 bps YoY).
  • Capital: net worth / assets of 12.09%, up 108 bps from a year ago.
  • Funding: loans stand at 72.35% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.87%-49 bps YoY

Net Interest Margin (quarter, annualized)

3.88%-40 bps YoY

Efficiency Ratio (quarter, annualized)

80.45%+844 bps YoY

Net Worth / Assets

12.09%+108 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.36%0.73%1.39%0.43%0.87%-49 bps
Return on Equity12.34%6.42%12.20%3.60%7.19%-515 bps
Net Interest Margin4.29%4.29%4.15%3.72%3.88%-40 bps
Efficiency Ratio72.01%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 / Loans0.17%0.02%0.02%0.04%0.02%-15 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 Capital11.01%11.36%11.43%11.88%12.09%+108 bps
Net Worth / Assets11.01%11.36%11.43%11.88%12.09%+108 bps
Liquidity & Funding
Loans / Shares76.10%77.07%74.54%73.45%72.35%-375 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps