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 | |