Salt Lake City, UT · Charter 67056
NCUA · 3 branches
Q2 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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.58% | 1.66% | 0.94% | 1.36% | 0.73% | 1.39% | 0.43% | 0.87% | -49 bps | |
| Return on Equity | 15.97% | 15.42% | 9.06% | 12.34% | 6.42% | 12.20% | 3.60% | 7.19% | -515 bps | |
| Net Interest Margin | 4.09% | 4.30% | 4.20% | 4.29% | 4.29% | 4.15% | 3.72% | 3.88% | -40 bps | |
| Efficiency Ratio | 66.48% | 66.47% | 80.19% | 72.01% | 72.05% | 70.78% | 89.88% | 80.45% | +844 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.02% | 3.13% | 0.51% | -0.44% | -0.79% | 6.63% | -2.54% | 0.70% | +114 bps | |
| Loan Growth (YoY) | -5.21% | -11.14% | -7.59% | -9.04% | -4.01% | -2.80% | -7.73% | -4.46% | +458 bps | |
| Share Growth (YoY) | 3.77% | 1.46% | -0.37% | -2.96% | -2.44% | 5.32% | -4.59% | 0.49% | +344 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.20% | 0.27% | 0.17% | 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 | 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 | 9.91% | 10.77% | 10.36% | 11.01% | 11.36% | 11.43% | 11.88% | 12.09% | +108 bps | |
| Net Worth / Assets | 9.91% | 10.77% | 10.36% | 11.01% | 11.36% | 11.43% | 11.88% | 12.09% | +108 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.32% | 80.76% | 75.95% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |