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Letter portraitLegal landscapeQuarterYTD

Provo Police & Fire Dept.

Provo, UT · Charter 67110

NCUA · 1 branch

Q3 2025

$1.6MAssets
$1.2MLoans
$1.2MShares
$398KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.49%, up 1 bps year over year; NIM at 4.44%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 25.00%, up 744 bps from a year ago.
  • Funding: loans stand at 103.09% of shares as of Q3 2025.

Financial Results

Return on Assets (YTD, annualized)

0.49%+1 bps YoY

Net Interest Margin (YTD, annualized)

4.44%+87 bps YoY

Efficiency Ratio (YTD, annualized)

88.86%+240 bps YoY

Net Worth / Assets

25.00%+744 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025YoY ΔTrend
Earnings
Return on Assets0.48%0.54%0.81%0.52%0.49%+1 bps
Return on Equity2.75%2.87%3.88%2.40%1.98%-78 bps
Net Interest Margin3.57%3.95%3.71%3.80%4.44%+87 bps
Efficiency Ratio86.45%86.22%78.06%86.41%88.86%+240 bps
Growth
Asset Growth (YoY)-6.62%-13.40%-20.06%-17.91%-28.10%-2,148 bps
Loan Growth (YoY)-10.51%-8.05%-10.12%-23.11%-21.07%-1,056 bps
Share Growth (YoY)-8.38%-16.51%-24.61%-22.19%-34.59%-2,621 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.97%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital17.56%19.00%20.98%21.50%25.00%+744 bps
Net Worth / Assets17.56%19.00%20.98%21.50%25.00%+744 bps
Liquidity & Funding
Loans / Shares85.43%89.46%90.81%85.53%103.09%+1,766 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps