Roosevelt, UT · Charter 67160
NCUA · 1 branch
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 | 1.57% | 1.48% | 1.44% | 1.24% | 1.39% | 1.36% | 1.61% | 1.75% | +50 bps | |
| Return on Equity | 17.25% | 17.08% | 16.23% | 14.04% | 15.21% | 15.52% | 17.50% | 18.84% | +479 bps | |
| Net Interest Margin | 4.01% | 3.66% | 3.57% | 3.76% | 3.91% | 3.71% | 4.22% | 4.29% | +54 bps | |
| Efficiency Ratio | 62.47% | 62.93% | 66.51% | 63.37% | 62.53% | 61.92% | 58.74% | 55.70% | -767 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 20.26% | 21.22% | 21.15% | 20.94% | 18.57% | 17.04% | 14.42% | 15.90% | -504 bps | |
| Loan Growth (YoY) | 14.85% | 18.15% | 16.96% | 16.23% | 17.94% | 19.00% | 19.46% | 22.76% | +653 bps | |
| Share Growth (YoY) | 20.37% | 20.91% | 21.09% | 21.08% | 18.53% | 17.26% | 14.00% | 15.38% | -569 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.65% | 2.02% | 1.48% | 1.78% | 1.66% | 2.68% | 3.03% | 3.03% | +124 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 | 9.13% | 8.65% | 8.86% | 8.85% | 9.12% | 8.75% | 9.19% | 9.28% | +43 bps | |
| Net Worth / Assets | 9.13% | 8.65% | 8.86% | 8.85% | 9.12% | 8.75% | 9.19% | 9.28% | +43 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 86.48% | 80.68% | 80.50% | 83.46% | 86.05% | 81.88% | 84.35% | 88.80% | +533 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |