Richfield, UT · Charter 67149
NCUA · 1 branch
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.52% | 0.55% | 0.76% | 0.82% | 0.72% | 0.56% | 0.89% | 0.63% | -19 bps | |
| Return on Equity | 2.43% | 2.54% | 3.65% | 3.97% | 3.58% | 2.84% | 4.58% | 3.28% | -69 bps | |
| Net Interest Margin | 2.21% | 2.26% | 2.56% | 2.48% | 2.35% | 2.19% | 2.43% | 2.08% | -39 bps | |
| Efficiency Ratio | 76.62% | 75.93% | 70.33% | 65.77% | 68.54% | 73.51% | 63.82% | 70.25% | +447 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.88% | 8.16% | 11.86% | 12.94% | 11.10% | 11.86% | 11.47% | 10.72% | -222 bps | |
| Loan Growth (YoY) | -1.54% | -3.94% | -1.36% | 6.44% | 8.12% | 3.74% | -3.76% | -9.20% | -1,565 bps | |
| Share Growth (YoY) | 10.88% | 9.79% | 14.55% | 15.82% | 13.18% | 14.33% | 13.68% | 12.94% | -288 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 21.46% | 21.57% | 20.91% | 20.60% | 20.00% | 19.84% | 19.35% | 19.08% | -152 bps | |
| Net Worth / Assets | 21.46% | 21.57% | 20.91% | 20.60% | 20.00% | 19.84% | 19.35% | 19.08% | -152 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 90.11% | 90.00% | 87.28% | 89.34% | 86.07% | 81.67% | 73.89% | 71.83% | -1,751 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |