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 | |