Springville, UT · Charter 67147
NCUA · 3 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.32% | -0.56% | 1.37% | 1.11% | 1.05% | 0.83% | 1.07% | 0.95% | -16 bps | |
| Return on Equity | 3.39% | -6.59% | 15.82% | 12.48% | 11.57% | 9.17% | 11.79% | 10.18% | -230 bps | |
| Net Interest Margin | 2.93% | 2.86% | 2.92% | 2.90% | 2.94% | 2.97% | 3.07% | 3.12% | +22 bps | |
| Efficiency Ratio | 76.81% | 76.52% | 63.72% | 68.93% | 49.44% | 49.35% | 66.81% | 67.18% | -174 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.40% | 3.93% | 1.80% | 1.84% | 6.38% | 4.07% | 3.95% | 3.90% | +206 bps | |
| Loan Growth (YoY) | 0.59% | -0.36% | -1.31% | -0.50% | -0.87% | -0.42% | 4.16% | 3.75% | +426 bps | |
| Share Growth (YoY) | 1.38% | 4.64% | 2.28% | 2.06% | 6.26% | 3.43% | 3.33% | 3.29% | +123 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.45% | 2.99% | 2.50% | 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 | 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 | 9.33% | 8.56% | 8.69% | 8.90% | 9.05% | 9.04% | 9.09% | 9.30% | +40 bps | |
| Net Worth / Assets | 9.33% | 8.56% | 8.69% | 8.90% | 9.05% | 9.04% | 9.09% | 9.30% | +40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 91.14% | 88.00% | 84.22% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |