PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Utah Power

Murray, UT · Charter 67132

NCUA · 8 branches

Q2 2026

$1.1BAssets
$555.4MLoans
$957.9MShares
$151.2MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.38%, up 70 bps year over year; NIM at 2.07%.
  • Asset quality: problem loans at 0.27% of loans (-11 bps YoY).
  • Capital: net worth / assets of 13.72%, up 24 bps from a year ago.
  • Funding: loans stand at 57.98% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.38%+70 bps YoY

Net Interest Margin (YTD, annualized)

2.07%+60 bps YoY

Efficiency Ratio (YTD, annualized)

44.23%-1,654 bps YoY

Net Worth / Assets

13.72%+24 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.68%0.70%0.79%1.25%1.38%+70 bps
Return on Equity5.02%5.16%5.79%9.25%10.03%+501 bps
Net Interest Margin1.47%1.59%1.65%2.01%2.07%+60 bps
Efficiency Ratio60.77%60.41%57.34%47.95%44.23%-1,654 bps
Growth
Asset Growth (YoY)7.36%7.26%6.44%6.65%7.04%-33 bps
Loan Growth (YoY)6.09%7.18%9.06%12.10%13.63%+754 bps
Share Growth (YoY)5.91%6.47%4.85%5.89%6.75%+84 bps
Asset Quality
Delinquent Loans / Loans0.38%0.28%0.34%0.33%0.27%-11 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital13.48%13.53%13.59%13.48%13.72%+24 bps
Net Worth / Assets13.48%13.53%13.59%13.48%13.72%+24 bps
Liquidity & Funding
Loans / Shares54.47%55.84%56.52%55.67%57.98%+351 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps