Springville, UT · Charter 67147
NCUA · 3 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
13
Asset Quality
16
Profitability
55
Liquidity
29
Efficiency
78
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.
Springville, UT · Charter 67147
NCUA · 3 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.11% | 1.05% | 0.83% | 1.07% | 0.95% | -16 bps | |
| Return on Equity | 12.48% | 11.57% | 9.17% | 11.79% | 10.18% | -230 bps | |
| Net Interest Margin | 2.90% | 2.94% | 2.97% | 3.07% | 3.12% | +22 bps | |
| Efficiency Ratio | 68.93% | 49.44% | 49.35% | 66.81% | 67.18% | -174 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.84% | 6.38% | 4.07% | 3.95% | 3.90% | +206 bps | |
| Loan Growth (YoY) | -0.50% | -0.87% | -0.42% | 4.16% | 3.75% | +426 bps | |
| Share Growth (YoY) | 2.06% | 6.26% | 3.43% | 3.33% | 3.29% | +123 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.59% | 3.18% | 2.64% | 1.92% | 1.81% | -178 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 | 8.90% | 9.05% | 9.04% | 9.09% | 9.30% | +40 bps | |
| Net Worth / Assets | 8.90% | 9.05% | 9.04% | 9.09% | 9.30% | +40 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 85.09% | 85.03% | 84.72% | 84.90% | 85.47% | +38 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Springville, UT · Charter 67147 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
0.95%
Rank 635 of 1,683
Net Interest Margin
3.12%
Rank 1,378 of 1,683
Efficiency Ratio
67.17%
Rank 368 of 1,682
Equity / Assets
9.30%
Rank 1,467 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.95% | 0.35% | 0.74% | 1.18% | Beats 62% | 635 / 1,683 | |
| Return on Equity | 10.18% | 2.67% | 5.89% | 8.74% | Beats 84% | 270 / 1,681 | |
| Net Interest Margin | 3.12% | 3.31% | 3.82% | 4.32% | Beats 18% | 1,378 / 1,683 | |
| Efficiency Ratio | 67.17% | 68.91% | 78.20% | 86.93% | Beats 78% | 368 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.81% | 0.26% | 0.65% | 1.29% | Beats 16% | 1,411 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.30% | 10.44% | 12.89% | 16.53% | Beats 13% | 1,467 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.30% | 10.44% | 12.89% | 16.53% | Beats 13% | 1,467 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 85.47% | 52.61% | 69.38% | 83.50% | 78th pctl | 364 / 1,683 | |
| Loans / Assets | 77.20% | 44.71% | 59.18% | 70.72% | 87th pctl | 215 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||