Manti, UT · Charter 67130
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 | 0.72% | 0.66% | 0.45% | 0.70% | 0.69% | 0.72% | 0.53% | 0.62% | -8 bps | |
| Return on Equity | 5.51% | 5.45% | 3.74% | 5.41% | 5.37% | 5.65% | 4.45% | 4.83% | -58 bps | |
| Net Interest Margin | 2.99% | 2.66% | 2.49% | 2.77% | 2.77% | 2.89% | 2.49% | 2.68% | -9 bps | |
| Efficiency Ratio | 60.19% | 61.01% | 70.12% | 63.63% | 62.03% | 62.78% | 67.56% | 66.07% | +245 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -14.67% | -2.69% | 4.29% | 5.46% | 6.96% | 0.38% | 8.07% | 6.39% | +93 bps | |
| Loan Growth (YoY) | -12.54% | -17.21% | -19.50% | -12.17% | -8.59% | -5.16% | -9.68% | -14.96% | -279 bps | |
| Share Growth (YoY) | -17.06% | -3.71% | 4.42% | 5.61% | 7.19% | -0.40% | 8.14% | 6.50% | +89 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.12% | 0.09% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 2.65% | 2.84% | 3.02% | 3.13% | 3.53% | 3.68% | 4.08% | 4.46% | +133 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.13% | 12.07% | 12.02% | 13.01% | 12.92% | 12.75% | 11.81% | 12.93% | -9 bps | |
| Net Worth / Assets | 13.13% | 12.07% | 12.02% | 13.01% | 12.92% | 12.75% | 11.81% | 12.93% | -9 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 79.70% | 69.64% | 67.52% | 72.76% | 67.96% | 66.31% | 56.39% | 58.10% | -1,466 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |