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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