Brigham City, UT · Charter 67153
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 | 1.88% | 1.77% | 1.70% | 1.82% | 2.00% | 1.77% | 1.91% | 1.82% | +1 bps | |
| Return on Equity | 13.70% | 12.70% | 12.26% | 12.70% | 13.77% | 12.07% | 12.98% | 12.22% | -48 bps | |
| Net Interest Margin | 3.56% | 3.38% | 3.48% | 3.57% | 3.50% | 3.25% | 3.51% | 3.51% | -6 bps | |
| Efficiency Ratio | 57.76% | 57.68% | 57.46% | 56.66% | 52.32% | 55.82% | 55.50% | 56.92% | +26 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.46% | 6.81% | 6.55% | 5.18% | 8.42% | 8.32% | 7.53% | 8.76% | +358 bps | |
| Loan Growth (YoY) | -4.25% | -6.72% | -8.39% | -2.14% | 0.36% | 4.01% | 11.47% | 1.64% | +378 bps | |
| Share Growth (YoY) | 2.33% | 6.95% | 6.16% | 4.97% | 7.74% | 8.75% | 6.81% | 7.61% | +264 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.29% | 0.25% | 0.32% | 0.21% | 0.17% | 0.28% | 0.29% | 0.43% | +22 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 | 13.75% | 13.97% | 13.85% | 14.30% | 14.53% | 14.66% | 14.68% | 14.91% | +61 bps | |
| Net Worth / Assets | 13.75% | 13.97% | 13.85% | 14.30% | 14.53% | 14.66% | 14.68% | 14.91% | +61 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 60.71% | 58.50% | 54.38% | 57.98% | 56.55% | 55.94% | 56.75% | 54.77% | -321 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |