Lewiston, UT · Charter 67108
NCUA · 1 branch
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
95
Asset Quality
100
Profitability
41
Liquidity
49
Efficiency
28
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.
Lewiston, UT · Charter 67108
NCUA · 1 branch
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 | 0.80% | 0.44% | 0.65% | 0.36% | 0.19% | 0.10% | 0.14% | 0.54% | +18 bps | |
| Return on Equity | 3.47% | 1.74% | 2.53% | 1.46% | 0.78% | 0.38% | 0.53% | 2.02% | +56 bps | |
| Net Interest Margin | 4.64% | 5.03% | 4.57% | 4.27% | 4.08% | 4.47% | 3.41% | 3.76% | -51 bps | |
| Efficiency Ratio | 83.64% | 91.52% | 86.50% | 92.15% | 95.67% | 97.87% | 96.33% | 86.42% | -574 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.85% | 2.06% | -5.48% | -2.68% | -6.46% | -3.47% | -0.02% | -7.05% | -438 bps | |
| Loan Growth (YoY) | 14.99% | 12.40% | 4.39% | -10.75% | -16.01% | -18.95% | -15.71% | -16.40% | -565 bps | |
| Share Growth (YoY) | 0.48% | 2.16% | -7.58% | -3.48% | -8.30% | -4.80% | -0.04% | -9.56% | -608 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 2.35% | 2.50% | 2.49% | 2.54% | 2.80% | 3.09% | 2.96% | 3.03% | +50 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 22.95% | 25.59% | 25.80% | 24.51% | 24.46% | 26.61% | 25.77% | 26.55% | +204 bps | |
| Net Worth / Assets | 22.95% | 25.59% | 25.80% | 24.51% | 24.46% | 26.61% | 25.77% | 26.55% | +204 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 86.42% | 94.40% | 95.33% | 87.41% | 79.16% | 80.37% | 80.39% | 80.79% | -661 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Lewiston, UT · Charter 67108 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.58%
Rank 1,030 of 1,683
Net Interest Margin
4.09%
Rank 599 of 1,683
Efficiency Ratio
85.71%
Rank 1,209 of 1,682
Equity / Assets
26.61%
Rank 78 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.58% | 0.35% | 0.74% | 1.18% | Beats 39% | 1,030 / 1,683 | ||
| Return on Equity | 2.20% | 2.67% | 5.89% | 8.74% | Beats 21% | 1,323 / 1,681 | ||
| Net Interest Margin | 4.09% | 3.31% | 3.82% | 4.32% | Beats 64% | 599 / 1,683 | ||
| Efficiency Ratio | 85.71% | 68.91% | 78.20% | 86.93% | Beats 28% | 1,209 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.26% | 0.65% | 1.29% | Beats 100% | 132 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 26.61% | 10.44% | 12.89% | 16.53% | Beats 95% | 78 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 26.61% | 10.44% | 12.89% | 16.53% | Beats 95% | 78 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 80.88% | 52.61% | 69.38% | 83.50% | 71st pctl | 489 / 1,683 | ||
| Loans / Assets | 59.36% | 44.71% | 59.18% | 70.72% | 50th pctl | 834 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||