PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Uintah

Vernal, UT · Charter 67156

NCUA · 1 branch

Q2 2026

$3.9MAssets
$1.1MLoans
$3.1MShares
$833KNet 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 2.02%, down 110 bps year over year; NIM at 4.03%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 21.26%, up 429 bps from a year ago.
  • Funding: loans stand at 37.04% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.02%-110 bps YoY

Net Interest Margin (YTD, annualized)

4.03%-63 bps YoY

Efficiency Ratio (YTD, annualized)

50.84%+1,621 bps YoY

Net Worth / Assets

21.26%+429 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets3.12%2.79%2.53%3.23%2.02%-110 bps
Return on Equity18.37%15.97%12.74%15.71%9.49%-888 bps
Net Interest Margin4.66%4.34%4.37%5.23%4.03%-63 bps
Efficiency Ratio34.63%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 / 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 Capital16.97%17.46%19.84%20.56%21.26%+429 bps
Net Worth / Assets16.97%17.46%19.84%20.56%21.26%+429 bps
Liquidity & Funding
Loans / Shares27.74%30.53%33.77%34.81%37.04%+930 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps