PackageTrendsPeer
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Members First

Brigham City, UT · Charter 67153

NCUA · 3 branches

Q2 2026

$209.1MAssets
$96.2MLoans
$175.7MShares
$31.2MNet 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 1.82%, up 1 bps year over year; NIM at 3.51%.
  • Asset quality: problem loans at 0.43% of loans (+22 bps YoY).
  • Capital: net worth / assets of 14.91%, up 61 bps from a year ago.
  • Funding: loans stand at 54.77% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.82%+1 bps YoY

Net Interest Margin (quarter, annualized)

3.51%-6 bps YoY

Efficiency Ratio (quarter, annualized)

56.92%+26 bps YoY

Net Worth / Assets

14.91%+61 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.82%2.00%1.77%1.91%1.82%+1 bps
Return on Equity12.70%13.77%12.07%12.98%12.22%-48 bps
Net Interest Margin3.57%3.50%3.25%3.51%3.51%-6 bps
Efficiency Ratio56.66%52.32%55.82%55.50%56.92%+26 bps
Growth
Asset Growth (YoY)5.18%8.42%8.32%7.53%8.76%+358 bps
Loan Growth (YoY)-2.14%0.36%4.01%11.47%1.64%+378 bps
Share Growth (YoY)4.97%7.74%8.75%6.81%7.61%+264 bps
Asset Quality
Delinquent Loans / Loans0.21%0.17%0.28%0.29%0.43%+22 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 Capital14.30%14.53%14.66%14.68%14.91%+61 bps
Net Worth / Assets14.30%14.53%14.66%14.68%14.91%+61 bps
Liquidity & Funding
Loans / Shares57.98%56.55%55.94%56.75%54.77%-321 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps