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Kings Peak

Roosevelt, UT · Charter 67160

NCUA · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets3

Basis

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.

Peer group

Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

13

Q2 2024Q2 2026peer median (50)

Asset Quality

8

Q2 2024Q2 2026peer median (50)

Profitability

88

Q2 2024Q2 2026peer median (50)

Liquidity

15

Q2 2024Q2 2026peer median

Efficiency

93

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Kings Peak

Roosevelt, UT · Charter 67160

NCUA · 1 branch

Q2 2026

$68.4MAssets
$55.0MLoans
$62.0MShares
$6.3MNet 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 1.75%, up 50 bps year over year; NIM at 4.29%.
  • Asset quality: problem loans at 3.03% of loans (+124 bps YoY).
  • Capital: net worth / assets of 9.28%, up 43 bps from a year ago.
  • Funding: loans stand at 88.80% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.75%+50 bps YoY

Net Interest Margin (YTD, annualized)

4.29%+54 bps YoY

Efficiency Ratio (YTD, annualized)

55.70%-767 bps YoY

Net Worth / Assets

9.28%+43 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.24%1.39%1.36%1.61%1.75%+50 bps
Return on Equity14.04%15.21%15.52%17.50%18.84%+479 bps
Net Interest Margin3.76%3.91%3.71%4.22%4.29%+54 bps
Efficiency Ratio63.37%62.53%61.92%58.74%55.70%-767 bps
Growth
Asset Growth (YoY)20.94%18.57%17.04%14.42%15.90%-504 bps
Loan Growth (YoY)16.23%17.94%19.00%19.46%22.76%+653 bps
Share Growth (YoY)21.08%18.53%17.26%14.00%15.38%-569 bps
Asset Quality
Delinquent Loans / Loans1.78%1.66%2.68%3.03%3.03%+124 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 Capital8.85%9.12%8.75%9.19%9.28%+43 bps
Net Worth / Assets8.85%9.12%8.75%9.19%9.28%+43 bps
Liquidity & Funding
Loans / Shares83.46%86.05%81.88%84.35%88.80%+533 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Kings Peak

Roosevelt, UT · Charter 67160 · Peer group: credit unions under $1B in assets (n=1,681-1,683)

NCUA · 1 branch

Q2 2026

$68.4MAssets
$55.0MLoans
$62.0MShares
$6.3MNet Worth

Executive Summary

  • Strongest standing: return on equity outperforms 99% of credit unions under $1B in assets (rank 13 of 1681).
  • Widest gap: nonperforming loans / loans trails 92% of credit unions under $1B in assets (rank 1555 of 1682).
  • Overall: at or above the peer median on 4 of 7 directional measures.

Return on Assets

1.75%

Rank 146 of 1,683

Net Interest Margin

4.29%

Rank 435 of 1,683

Efficiency Ratio

55.70%

Rank 123 of 1,682

Equity / Assets

9.28%

Rank 1,472 of 1,683

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.75%0.35%0.74%1.18%Beats 91%146 / 1,683
Return on Equity18.84%2.67%5.89%8.74%Beats 99%13 / 1,681
Net Interest Margin4.29%3.31%3.82%4.32%Beats 74%435 / 1,683
Efficiency Ratio55.70%68.91%78.20%86.93%Beats 93%123 / 1,682
Asset Quality
Nonperforming Loans / Loans3.03%0.26%0.65%1.29%Beats 8%1,555 / 1,682
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio9.28%10.44%12.89%16.53%Beats 13%1,472 / 1,683
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets9.28%10.44%12.89%16.53%Beats 13%1,472 / 1,683
Liquidity & Funding
Loans / Deposits88.80%52.61%69.38%83.50%84th pctl265 / 1,683
Loans / Assets80.43%44.71%59.18%70.72%92nd pctl130 / 1,683
Brokered Deposits / Depositsn/aNot reported for this institution