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 | |