Provo, UT · Charter 67129
NCUA · 2 branches
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 | 0.66% | 0.67% | 0.03% | 0.47% | 0.73% | 0.82% | 1.00% | 1.01% | +54 bps | |
| Return on Equity | 6.26% | 6.50% | 0.31% | 4.45% | 6.75% | 7.18% | 8.73% | 8.63% | +418 bps | |
| Net Interest Margin | 3.08% | 2.99% | 3.21% | 3.34% | 3.37% | 3.42% | 3.41% | 3.45% | +11 bps | |
| Efficiency Ratio | 76.33% | 75.78% | 84.17% | 77.82% | 73.80% | 73.68% | 73.62% | 72.49% | -532 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.61% | 10.02% | 6.37% | 3.22% | 5.16% | 1.50% | 3.10% | 5.92% | +270 bps | |
| Loan Growth (YoY) | 0.02% | 1.69% | 1.46% | 4.00% | 0.95% | 4.48% | 5.89% | 2.48% | -152 bps | |
| Share Growth (YoY) | 3.05% | 10.82% | 6.46% | 3.64% | 5.22% | -0.42% | 1.59% | 4.67% | +103 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.44% | 0.63% | 1.00% | 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 | 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 | 10.57% | 10.23% | 10.18% | 10.64% | 10.79% | 11.47% | 11.49% | 11.69% | +105 bps | |
| Net Worth / Assets | 10.57% | 10.23% | 10.18% | 10.64% | 10.79% | 11.47% | 11.49% | 11.69% | +105 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.87% | 79.07% | 77.87% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |