Ogden, UT · Charter 67127
NCUA · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |