PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

S E A

Richfield, UT · Charter 67149

NCUA · 1 branch

Q2 2026

$7.4MAssets
$4.3MLoans
$6.0MShares
$1.4MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.63%, down 19 bps year over year; NIM at 2.08%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 19.08%, down 152 bps from a year ago.
  • Funding: loans stand at 71.83% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.63%-19 bps YoY

Net Interest Margin (quarter, annualized)

2.08%-39 bps YoY

Efficiency Ratio (quarter, annualized)

70.25%+447 bps YoY

Net Worth / Assets

19.08%-152 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.82%0.72%0.56%0.89%0.63%-19 bps
Return on Equity3.97%3.58%2.84%4.58%3.28%-69 bps
Net Interest Margin2.48%2.35%2.19%2.43%2.08%-39 bps
Efficiency Ratio65.77%68.54%73.51%63.82%70.25%+447 bps
Growth
Asset Growth (YoY)12.94%11.10%11.86%11.47%10.72%-222 bps
Loan Growth (YoY)6.44%8.12%3.74%-3.76%-9.20%-1,565 bps
Share Growth (YoY)15.82%13.18%14.33%13.68%12.94%-288 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital20.60%20.00%19.84%19.35%19.08%-152 bps
Net Worth / Assets20.60%20.00%19.84%19.35%19.08%-152 bps
Liquidity & Funding
Loans / Shares89.34%86.07%81.67%73.89%71.83%-1,751 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps