Ogden, UT · Charter 67127
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
19
Asset Quality
89
Profitability
42
Liquidity
0
Efficiency
66
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.
Ogden, UT · Charter 67127
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 | 0.63% | 0.82% | 1.01% | 0.92% | 1.03% | 0.50% | 0.86% | 0.69% | -23 bps | |
| Return on Equity | 6.42% | 8.25% | 11.12% | 9.87% | 10.66% | 6.17% | 8.70% | 6.96% | -292 bps | |
| Net Interest Margin | 2.76% | 2.84% | 2.98% | 3.03% | 3.13% | 2.59% | 3.20% | 3.17% | +13 bps | |
| Efficiency Ratio | 72.30% | 72.13% | 64.80% | 64.26% | 65.65% | 65.46% | 71.93% | 72.58% | +832 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.14% | 12.55% | 23.47% | 15.37% | 13.57% | 38.05% | 2.70% | 2.12% | -1,325 bps | |
| Loan Growth (YoY) | 23.30% | 18.33% | 17.25% | 10.89% | 11.96% | 13.89% | 0.63% | 0.15% | -1,074 bps | |
| Share Growth (YoY) | 8.67% | 12.88% | 25.09% | 22.44% | 21.57% | 41.18% | 1.91% | 1.30% | -2,114 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.19% | 0.01% | 0.06% | 0.66% | 0.12% | 0.72% | 0.24% | 0.05% | -60 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 | 9.86% | 9.96% | 9.12% | 9.32% | 9.65% | 8.05% | 9.84% | 9.94% | +62 bps | |
| Net Worth / Assets | 9.86% | 9.96% | 9.12% | 9.32% | 9.65% | 8.05% | 9.84% | 9.94% | +62 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 109.60% | 102.23% | 95.13% | 96.36% | 100.94% | 82.47% | 93.93% | 95.27% | -109 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Ogden, UT · Charter 67127 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.69%
Rank 896 of 1,683
Net Interest Margin
3.17%
Rank 1,357 of 1,683
Efficiency Ratio
72.54%
Rank 569 of 1,682
Equity / Assets
9.94%
Rank 1,358 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.69% | 0.35% | 0.74% | 1.18% | Beats 47% | 896 / 1,683 | ||
| Return on Equity | 6.95% | 2.67% | 5.89% | 8.74% | Beats 61% | 661 / 1,681 | ||
| Net Interest Margin | 3.17% | 3.31% | 3.82% | 4.32% | Beats 19% | 1,357 / 1,683 | ||
| Efficiency Ratio | 72.54% | 68.91% | 78.20% | 86.93% | Beats 66% | 569 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.05% | 0.26% | 0.65% | 1.29% | Beats 89% | 185 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.94% | 10.44% | 12.89% | 16.53% | Beats 19% | 1,358 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.94% | 10.44% | 12.89% | 16.53% | Beats 19% | 1,358 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 95.27% | 52.61% | 69.38% | 83.50% | 93rd pctl | 110 / 1,683 | ||
| Loans / Assets | 85.47% | 44.71% | 59.18% | 70.72% | 98th pctl | 35 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||