Vernal, UT · Charter 67156
NCUA · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets in the Salt Lake City-Murray, UT area (n=23 to 24). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
71
Asset Quality
100
Profitability
88
Liquidity
21
Efficiency
96
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Vernal, UT · Charter 67156
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.12% | 2.79% | 2.53% | 3.23% | 2.02% | -110 bps | |
| Return on Equity | 18.37% | 15.97% | 12.74% | 15.71% | 9.49% | -888 bps | |
| Net Interest Margin | 4.66% | 4.34% | 4.37% | 5.23% | 4.03% | -63 bps | |
| Efficiency Ratio | 34.63% | 37.31% | 43.65% | 39.01% | 50.84% | +1,621 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.23% | -1.47% | -12.02% | -10.07% | -12.78% | -1,155 bps | |
| Loan Growth (YoY) | 22.41% | 19.43% | 16.47% | -1.38% | 10.41% | -1,200 bps | |
| Share Growth (YoY) | -4.85% | -5.09% | -16.82% | -14.69% | -17.31% | -1,246 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.97% | 17.46% | 19.84% | 20.56% | 21.26% | +429 bps | |
| Net Worth / Assets | 16.97% | 17.46% | 19.84% | 20.56% | 21.26% | +429 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 27.74% | 30.53% | 33.77% | 34.81% | 37.04% | +930 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Vernal, UT · Charter 67156 · Peer group: credit unions under $1B in assets in the Salt Lake City-Murray, UT area (n=23-24)
NCUA · 1 branch
Q2 2026
Return on Assets
2.04%
Rank 1 of 24
Net Interest Margin
4.03%
Rank 5 of 24
Efficiency Ratio
51.25%
Rank 2 of 24
Equity / Assets
21.27%
Rank 7 of 24
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.04% | 0.41% | 0.67% | 1.12% | Beats 96% | 1 / 24 | |
| Return on Equity | 9.60% | 2.16% | 5.02% | 6.69% | Beats 88% | 3 / 24 | |
| Net Interest Margin | 4.03% | 3.10% | 3.61% | 4.01% | Beats 79% | 5 / 24 | |
| Efficiency Ratio | 51.25% | 71.14% | 80.00% | 84.92% | Beats 96% | 2 / 24 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.07% | 0.54% | 1.38% | Beats 100% | 3 / 23 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 21.27% | 10.05% | 16.75% | 21.42% | Beats 71% | 7 / 24 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 21.27% | 10.05% | 16.75% | 21.42% | Beats 71% | 7 / 24 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 37.03% | 42.86% | 62.34% | 82.18% | 17th pctl | 19 / 23 | |
| Loans / Assets | 29.13% | 32.11% | 55.16% | 70.89% | 21st pctl | 19 / 24 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||