Provo, UT · Charter 67129
NCUA · 2 branches
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
38
Asset Quality
77
Profitability
57
Liquidity
51
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.
Provo, UT · Charter 67129
NCUA · 2 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.47% | 0.73% | 0.82% | 1.00% | 1.01% | +54 bps | |
| Return on Equity | 4.45% | 6.75% | 7.18% | 8.73% | 8.63% | +418 bps | |
| Net Interest Margin | 3.34% | 3.37% | 3.42% | 3.41% | 3.45% | +11 bps | |
| Efficiency Ratio | 77.82% | 73.80% | 73.68% | 73.62% | 72.49% | -532 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.22% | 5.16% | 1.50% | 3.10% | 5.92% | +270 bps | |
| Loan Growth (YoY) | 4.00% | 0.95% | 4.48% | 5.89% | 2.48% | -152 bps | |
| Share Growth (YoY) | 3.64% | 5.22% | -0.42% | 1.59% | 4.67% | +103 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.69% | 0.04% | 0.14% | 0.27% | 0.24% | -45 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.64% | 10.79% | 11.47% | 11.49% | 11.69% | +105 bps | |
| Net Worth / Assets | 10.64% | 10.79% | 11.47% | 11.49% | 11.69% | +105 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 82.28% | 78.55% | 82.96% | 81.17% | 80.56% | -172 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Provo, UT · Charter 67129 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
1.01%
Rank 587 of 1,683
Net Interest Margin
3.45%
Rank 1,158 of 1,683
Efficiency Ratio
72.50%
Rank 566 of 1,682
Equity / Assets
11.69%
Rank 1,043 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.01% | 0.35% | 0.74% | 1.18% | Beats 65% | 587 / 1,683 | |
| Return on Equity | 8.62% | 2.67% | 5.89% | 8.74% | Beats 74% | 436 / 1,681 | |
| Net Interest Margin | 3.45% | 3.31% | 3.82% | 4.32% | Beats 31% | 1,158 / 1,683 | |
| Efficiency Ratio | 72.50% | 68.91% | 78.20% | 86.93% | Beats 66% | 566 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.24% | 0.26% | 0.65% | 1.29% | Beats 77% | 388 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 11.69% | 10.44% | 12.89% | 16.53% | Beats 38% | 1,043 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 11.69% | 10.44% | 12.89% | 16.53% | Beats 38% | 1,043 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 80.56% | 52.61% | 69.38% | 83.50% | 70th pctl | 500 / 1,683 | |
| Loans / Assets | 70.40% | 44.71% | 59.18% | 70.72% | 74th pctl | 433 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||