PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Utah Heritage

Moroni, UT · Charter 67076

NCUA · 5 branches

Q2 2026

$166.7MAssets
$110.2MLoans
$144.0MShares
$20.6MNet Worth

Executive Summary

  • Earnings: ROA of 1.64%, down 12 bps year over year; NIM at 3.79%.
  • Asset quality: problem loans at 2.51% of loans (+74 bps YoY).
  • Capital: net worth / assets of 12.36%, up 76 bps from a year ago.
  • Funding: loans stand at 76.51% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

1.64%-12 bps YoY

Net Interest Margin (quarter, annualized)

3.79%-1 bps YoY

Efficiency Ratio (quarter, annualized)

59.22%+417 bps YoY

Net Worth / Assets

12.36%+76 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.60%1.55%1.82%1.75%1.76%1.71%1.53%1.64%-12 bps
Return on Equity14.42%13.77%15.94%15.12%14.74%14.21%12.36%13.24%-187 bps
Net Interest Margin3.62%3.61%3.77%3.80%3.85%3.80%3.85%3.79%-1 bps
Efficiency Ratio58.36%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 / Loans0.40%1.41%1.64%1.77%1.95%2.46%2.31%2.51%+74 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.13%11.25%11.40%11.60%11.94%12.04%12.35%12.36%+76 bps
Net Worth / Assets11.13%11.25%11.40%11.60%11.94%12.04%12.35%12.36%+76 bps
Liquidity & Funding
Loans / Shares81.82%83.33%81.98%83.78%80.11%79.75%79.97%76.51%-727 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps