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Beckstrand and Associates

Salt Lake City, UT · Charter 67140

NCUA · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Salt Lake City-Murray, UT area3

Basis

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.

Peer group

Credit unions under $1B in assets in the Salt Lake City-Murray, UT area (n=24). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

96

Q2 2024Q2 2026peer median (50)

Asset Quality

No peer data yet

Profitability

47

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q4 2025peer median

Efficiency

100

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Beckstrand and Associates

Salt Lake City, UT · Charter 67140

NCUA · 1 branch

Q2 2026

$166KAssets
$0KLoans
$0KShares
$166KNet 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 1.35%, up 4 bps year over year; NIM at 3.06%.
  • Capital: net worth / assets of 99.93%, up 3,086 bps from a year ago.
  • Funding: loans stand at 0.00% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.35%+4 bps YoY

Net Interest Margin (YTD, annualized)

3.06%+135 bps YoY

Efficiency Ratio (YTD, annualized)

56.00%+3,255 bps YoY

Net Worth / Assets

99.93%+3,086 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.30%2.82%2.48%0.97%1.35%+4 bps
Return on Equity1.89%3.04%2.49%0.97%1.35%-54 bps
Net Interest Margin1.70%3.77%4.11%1.13%3.06%+135 bps
Efficiency Ratio23.45%25.17%39.58%14.41%56.00%+3,255 bps
Growth
Asset Growth (YoY)-12.22%4.06%2.77%-10.29%-28.99%-1,677 bps
Loan Growth (YoY)n/an/an/an/an/an/an/a
Share Growth (YoY)0.00%0.00%0.00%0.00%0.00%0 bps
Asset Quality
Delinquent Loans / Loansn/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/a
Capital
Risk-Based Capital69.07%92.94%99.72%99.93%99.93%+3,086 bps
Net Worth / Assets69.07%92.94%99.72%99.93%99.93%+3,086 bps
Liquidity & Funding
Loans / Shares0.00%0.00%0.00%0.00%0.00%0 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Beckstrand and Associates

Salt Lake City, UT · Charter 67140 · Peer group: credit unions under $1B in assets in the Salt Lake City-Murray, UT area (n=24)

NCUA · 1 branch

Q2 2026

$166KAssets
$0KLoans
$0KShares
$166KNet Worth

Executive Summary

  • Strongest standing: efficiency ratio outperforms 100% of credit unions under $1B in assets in the Salt Lake City-Murray, UT area (rank 1 of 24).
  • Widest gap: return on equity trails 87% of credit unions under $1B in assets in the Salt Lake City-Murray, UT area (rank 21 of 24).
  • Overall: at or above the peer median on 5 of 6 directional measures.

Return on Assets

1.20%

Rank 5 of 24

Net Interest Margin

3.61%

Rank 12 of 24

Efficiency Ratio

33.33%

Rank 1 of 24

Equity / Assets

100.00%

Rank 1 of 24

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.20%0.41%0.67%1.12%Beats 79%5 / 24
Return on Equity1.20%2.16%5.02%6.69%Beats 13%21 / 24
Net Interest Margin3.61%3.10%3.61%4.01%Beats 50%12 / 24
Efficiency Ratio33.33%71.14%80.00%84.92%Beats 100%1 / 24
Asset Quality
Nonperforming Loans / Loansn/aNot reported for this institution
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio100.00%10.05%16.75%21.42%Beats 96%1 / 24
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets100.00%10.05%16.75%21.42%Beats 96%1 / 24
Liquidity & Funding
Loans / Depositsn/aNot reported for this institution
Loans / Assets0.00%32.11%55.16%70.89%0th pctl24 / 24
Brokered Deposits / Depositsn/aNot reported for this institution