Bountiful, UT · Charter 67078
NCUA · 2 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.72% | 1.45% | 1.82% | 1.35% | 1.43% | 1.21% | 0.93% | 0.75% | -60 bps | |
| Return on Equity | 5.31% | 4.49% | 5.59% | 4.32% | 4.53% | 3.74% | 2.89% | 2.32% | -200 bps | |
| Net Interest Margin | 5.40% | 5.22% | 5.70% | 5.04% | 5.15% | 5.12% | 5.18% | 4.89% | -15 bps | |
| Efficiency Ratio | 66.04% | 69.15% | 65.54% | 69.46% | 68.17% | 70.68% | 73.33% | 75.70% | +625 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.14% | -11.58% | 0.52% | 8.56% | 6.45% | 3.97% | 4.49% | 0.03% | -853 bps | |
| Loan Growth (YoY) | -12.16% | -11.72% | -8.22% | -3.39% | -3.91% | -2.70% | -3.45% | -5.84% | -245 bps | |
| Share Growth (YoY) | -10.86% | -17.85% | -1.49% | 10.61% | 7.57% | 3.96% | 4.99% | -1.37% | -1,198 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.02% | 0.46% | 0.00% | 2.03% | 1.48% | 1.69% | 1.50% | +150 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 | 32.38% | 32.36% | 32.57% | 31.17% | 31.65% | 32.33% | 32.18% | 32.09% | +92 bps | |
| Net Worth / Assets | 32.38% | 32.36% | 32.57% | 31.17% | 31.65% | 32.33% | 32.18% | 32.09% | +92 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 128.65% | 126.74% | 124.70% | 117.64% | 114.92% | 118.63% | 114.67% | 112.31% | -533 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |