Spanish Fork, UT · Charter 67146
NCUA · 4 branches
Q4 2025
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.50% | 0.00% | 0.15% | 0.42% | 0.24% | -26 bps | |
| Return on Equity | 2.96% | 0.00% | 0.86% | 2.49% | 1.45% | -152 bps | |
| Net Interest Margin | 3.53% | 3.48% | 3.58% | 3.55% | 3.59% | +6 bps | |
| Efficiency Ratio | 80.74% | 85.88% | 84.87% | 80.55% | 83.81% | +307 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.16% | -0.31% | -1.10% | 5.11% | 3.48% | +332 bps | |
| Loan Growth (YoY) | -2.97% | -1.84% | 2.21% | 2.05% | 1.62% | +459 bps | |
| Share Growth (YoY) | 2.63% | 1.66% | -1.80% | 5.16% | 4.07% | +144 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.09% | 1.08% | 1.13% | 0.94% | 0.98% | -11 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 17.02% | 16.85% | 16.96% | 16.73% | 16.65% | -37 bps | |
| Net Worth / Assets | 17.02% | 16.85% | 16.96% | 16.73% | 16.65% | -37 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 86.59% | 84.37% | 88.00% | 85.58% | 84.54% | -204 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |