Moroni, UT · Charter 67076
NCUA · 5 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 | 1.75% | 1.76% | 1.71% | 1.53% | 1.64% | -12 bps | |
| Return on Equity | 15.12% | 14.74% | 14.21% | 12.36% | 13.24% | -187 bps | |
| Net Interest Margin | 3.80% | 3.85% | 3.80% | 3.85% | 3.79% | -1 bps | |
| Efficiency Ratio | 55.06% | 55.22% | 55.73% | 61.65% | 59.22% | +417 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.89% | 8.42% | 8.86% | 6.65% | 8.33% | -156 bps | |
| Loan Growth (YoY) | 13.04% | 5.23% | 3.41% | 2.98% | -1.80% | -1,485 bps | |
| Share Growth (YoY) | 8.64% | 7.48% | 8.05% | 5.56% | 7.53% | -111 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.60% | 11.94% | 12.04% | 12.35% | 12.36% | +76 bps | |
| Net Worth / Assets | 11.60% | 11.94% | 12.04% | 12.35% | 12.36% | +76 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |