Spanish Fork, UT · Charter 67146
NCUA · 4 branches
Q4 2025
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 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.03% | 0.73% | 0.75% | 0.50% | 0.00% | 0.15% | 0.42% | 0.24% | -26 bps | |
| Return on Equity | 6.18% | 4.42% | 4.32% | 2.96% | 0.00% | 0.86% | 2.49% | 1.45% | -152 bps | |
| Net Interest Margin | 3.31% | 3.37% | 3.54% | 3.53% | 3.48% | 3.58% | 3.55% | 3.59% | +6 bps | |
| Efficiency Ratio | 76.82% | 78.59% | 78.27% | 80.74% | 85.88% | 84.87% | 80.55% | 83.81% | +307 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.19% | 2.24% | -2.03% | 0.16% | -0.31% | -1.10% | 5.11% | 3.48% | +332 bps | |
| Loan Growth (YoY) | 0.91% | -0.36% | -2.11% | -2.97% | -1.84% | 2.21% | 2.05% | 1.62% | +459 bps | |
| Share Growth (YoY) | 1.31% | 4.57% | 0.06% | 2.63% | 1.66% | -1.80% | 5.16% | 4.07% | +144 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.80% | 0.82% | 0.89% | 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 | 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 | 16.60% | 16.61% | 17.35% | 17.02% | 16.85% | 16.96% | 16.73% | 16.65% | -37 bps | |
| Net Worth / Assets | 16.60% | 16.61% | 17.35% | 17.02% | 16.85% | 16.96% | 16.73% | 16.65% | -37 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 87.37% | 84.55% | 88.19% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |