PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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