Moroni, UT · Charter 67076
NCUA · 5 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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
44
Asset Quality
10
Profitability
78
Liquidity
69
Efficiency
90
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.
Moroni, UT · Charter 67076
NCUA · 5 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 | 1.60% | 1.55% | 1.82% | 1.75% | 1.76% | 1.71% | 1.53% | 1.64% | -12 bps | |
| Return on Equity | 14.42% | 13.77% | 15.94% | 15.12% | 14.74% | 14.21% | 12.36% | 13.24% | -187 bps | |
| Net Interest Margin | 3.62% | 3.61% | 3.77% | 3.80% | 3.85% | 3.80% | 3.85% | 3.79% | -1 bps | |
| Efficiency Ratio | 58.36% | 58.41% | 55.48% | 55.06% | 55.22% | 55.73% | 61.65% | 59.22% | +417 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.00% | 8.75% | 9.15% | 9.89% | 8.42% | 8.86% | 6.65% | 8.33% | -156 bps | |
| Loan Growth (YoY) | 8.06% | 11.73% | 10.67% | 13.04% | 5.23% | 3.41% | 2.98% | -1.80% | -1,485 bps | |
| Share Growth (YoY) | 8.18% | 7.64% | 7.61% | 8.64% | 7.48% | 8.05% | 5.56% | 7.53% | -111 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.40% | 1.41% | 1.64% | 1.77% | 1.95% | 2.46% | 2.31% | 2.51% | +74 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 | 11.13% | 11.25% | 11.40% | 11.60% | 11.94% | 12.04% | 12.35% | 12.36% | +76 bps | |
| Net Worth / Assets | 11.13% | 11.25% | 11.40% | 11.60% | 11.94% | 12.04% | 12.35% | 12.36% | +76 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.82% | 83.33% | 81.98% | 83.78% | 80.11% | 79.75% | 79.97% | 76.51% | -727 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Moroni, UT · Charter 67076 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 5 branches
Q2 2026
Return on Assets
1.64%
Rank 189 of 1,683
Net Interest Margin
3.79%
Rank 863 of 1,683
Efficiency Ratio
59.23%
Rank 177 of 1,682
Equity / Assets
12.36%
Rank 944 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.64% | 0.35% | 0.74% | 1.18% | Beats 89% | 189 / 1,683 | ||
| Return on Equity | 13.24% | 2.67% | 5.89% | 8.74% | Beats 95% | 85 / 1,681 | ||
| Net Interest Margin | 3.79% | 3.31% | 3.82% | 4.32% | Beats 49% | 863 / 1,683 | ||
| Efficiency Ratio | 59.23% | 68.91% | 78.20% | 86.93% | Beats 90% | 177 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.51% | 0.26% | 0.65% | 1.29% | Beats 10% | 1,507 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.36% | 10.44% | 12.89% | 16.53% | Beats 44% | 944 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.36% | 10.44% | 12.89% | 16.53% | Beats 44% | 944 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 76.51% | 52.61% | 69.38% | 83.50% | 63rd pctl | 630 / 1,683 | ||
| Loans / Assets | 66.07% | 44.71% | 59.18% | 70.72% | 64th pctl | 599 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||