Murray, UT · Charter 67132
NCUA · 8 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 $1B-$10B in assets (n=435). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
86
Asset Quality
92
Profitability
55
Liquidity
0
Efficiency
99
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.
Murray, UT · Charter 67132
NCUA · 8 branches
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 | 0.23% | 0.27% | 0.51% | 0.68% | 0.70% | 0.79% | 1.25% | 1.38% | +70 bps | |
| Return on Equity | 1.64% | 1.96% | 3.79% | 5.02% | 5.16% | 5.79% | 9.25% | 10.03% | +501 bps | |
| Net Interest Margin | 1.04% | 1.07% | 1.36% | 1.47% | 1.59% | 1.65% | 2.01% | 2.07% | +60 bps | |
| Efficiency Ratio | 81.92% | 79.39% | 67.47% | 60.77% | 60.41% | 57.34% | 47.95% | 44.23% | -1,654 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.14% | 7.55% | 7.54% | 7.36% | 7.26% | 6.44% | 6.65% | 7.04% | -33 bps | |
| Loan Growth (YoY) | 8.42% | 6.82% | 6.34% | 6.09% | 7.18% | 9.06% | 12.10% | 13.63% | +754 bps | |
| Share Growth (YoY) | 4.61% | 6.83% | 6.36% | 5.91% | 6.47% | 4.85% | 5.89% | 6.75% | +84 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.18% | 0.27% | 0.16% | 0.38% | 0.28% | 0.34% | 0.33% | 0.27% | -11 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 | 13.85% | 13.63% | 13.36% | 13.48% | 13.53% | 13.59% | 13.48% | 13.72% | +24 bps | |
| Net Worth / Assets | 13.85% | 13.63% | 13.36% | 13.48% | 13.53% | 13.59% | 13.48% | 13.72% | +24 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 55.47% | 54.34% | 52.58% | 54.47% | 55.84% | 56.52% | 55.67% | 57.98% | +351 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Murray, UT · Charter 67132 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 8 branches
Q2 2026
Return on Assets
1.38%
Rank 61 of 435
Net Interest Margin
2.07%
Rank 425 of 435
Efficiency Ratio
44.22%
Rank 5 of 435
Equity / Assets
13.72%
Rank 62 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.38% | 0.55% | 0.81% | 1.14% | Beats 86% | 61 / 435 | ||
| Return on Equity | 10.03% | 5.12% | 7.41% | 9.70% | Beats 77% | 99 / 435 | ||
| Net Interest Margin | 2.07% | 3.01% | 3.39% | 3.75% | Beats 2% | 425 / 435 | ||
| Efficiency Ratio | 44.22% | 65.25% | 71.39% | 77.86% | Beats 99% | 5 / 435 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.27% | 0.45% | 0.69% | 1.05% | Beats 92% | 35 / 435 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.72% | 9.81% | 10.84% | 12.63% | Beats 86% | 62 / 435 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 13.72% | 9.81% | 10.84% | 12.63% | Beats 86% | 62 / 435 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 57.98% | 78.33% | 88.38% | 95.61% | 6th pctl | 409 / 435 | ||
| Loans / Assets | 50.39% | 67.69% | 74.58% | 80.80% | 6th pctl | 410 / 435 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||