Draper, UT · Charter 67079
NCUA · 2 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
25
Asset Quality
82
Profitability
12
Liquidity
95
Efficiency
12
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.
Draper, UT · Charter 67079
NCUA · 2 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 | 0.57% | 1.54% | 0.33% | 0.35% | 0.39% | 0.30% | -0.29% | 0.09% | -26 bps | |
| Return on Equity | 5.45% | 13.41% | 2.95% | 3.26% | 3.60% | 2.88% | -2.75% | 0.86% | -240 bps | |
| Net Interest Margin | 2.69% | 2.69% | 2.62% | 2.60% | 2.68% | 2.67% | 2.69% | 2.73% | +12 bps | |
| Efficiency Ratio | 83.05% | 70.19% | 89.83% | 88.95% | 86.92% | 89.79% | 101.70% | 93.76% | +481 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.90% | 3.66% | 7.34% | 11.21% | 9.91% | 12.02% | 7.33% | 4.40% | -680 bps | |
| Loan Growth (YoY) | -0.43% | -2.50% | -2.05% | -2.21% | -1.41% | -0.17% | 0.30% | -3.07% | -86 bps | |
| Share Growth (YoY) | 3.86% | 2.22% | 6.49% | 10.85% | 9.45% | 11.69% | 6.55% | 3.39% | -745 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.40% | 0.65% | 1.05% | 0.73% | 0.62% | 0.74% | 0.49% | 0.16% | -57 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 | 10.46% | 11.47% | 11.01% | 10.78% | 10.79% | 10.51% | 10.38% | 10.46% | -31 bps | |
| Net Worth / Assets | 10.46% | 11.47% | 11.01% | 10.78% | 10.79% | 10.51% | 10.38% | 10.46% | -31 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 83.16% | 81.98% | 77.39% | 75.33% | 74.91% | 73.28% | 72.85% | 70.62% | -471 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Draper, UT · Charter 67079 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
0.09%
Rank 1,450 of 1,683
Net Interest Margin
2.73%
Rank 1,565 of 1,683
Efficiency Ratio
93.71%
Rank 1,481 of 1,682
Equity / Assets
10.47%
Rank 1,260 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.09% | 0.35% | 0.74% | 1.18% | Beats 14% | 1,450 / 1,683 | ||
| Return on Equity | 0.85% | 2.67% | 5.89% | 8.74% | Beats 15% | 1,437 / 1,681 | ||
| Net Interest Margin | 2.73% | 3.31% | 3.82% | 4.32% | Beats 7% | 1,565 / 1,683 | ||
| Efficiency Ratio | 93.71% | 68.91% | 78.20% | 86.93% | Beats 12% | 1,481 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.16% | 0.26% | 0.65% | 1.29% | Beats 82% | 310 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.47% | 10.44% | 12.89% | 16.53% | Beats 25% | 1,260 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.47% | 10.44% | 12.89% | 16.53% | Beats 25% | 1,260 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 70.62% | 52.61% | 69.38% | 83.50% | 52nd pctl | 804 / 1,683 | ||
| Loans / Assets | 62.30% | 44.71% | 59.18% | 70.72% | 57th pctl | 720 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||