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 | |