Blanding, UT · Charter 67163
NCUA · 3 branches
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 (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.
Capital
59
Asset Quality
11
Profitability
59
Liquidity
94
Efficiency
39
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.
Blanding, UT · Charter 67163
NCUA · 3 branches
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 | 0.39% | 0.34% | 1.07% | 1.07% | 1.01% | 0.92% | 0.32% | 0.60% | -47 bps | |
| Return on Equity | 3.07% | 2.54% | 8.24% | 7.93% | 7.40% | 6.61% | 2.43% | 4.33% | -360 bps | |
| Net Interest Margin | 6.54% | 6.83% | 6.60% | 6.76% | 6.69% | 6.68% | 5.92% | 6.13% | -63 bps | |
| Efficiency Ratio | 82.01% | 81.79% | 76.31% | 75.39% | 77.40% | 80.67% | 85.20% | 81.87% | +648 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.47% | 5.48% | 8.77% | 3.86% | -1.56% | 0.92% | 3.28% | 1.72% | -214 bps | |
| Loan Growth (YoY) | 0.95% | -4.87% | 1.70% | 2.48% | 0.70% | 0.24% | -3.69% | -7.61% | -1,009 bps | |
| Share Growth (YoY) | 9.49% | 6.10% | 9.61% | 3.64% | -2.77% | -0.14% | 2.88% | 1.03% | -261 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.01% | 2.92% | 2.22% | 1.96% | 2.44% | 2.24% | 1.45% | 2.31% | +35 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 | 12.78% | 13.20% | 12.94% | 13.54% | 13.71% | 13.94% | 13.16% | 13.93% | +39 bps | |
| Net Worth / Assets | 12.78% | 13.20% | 12.94% | 13.54% | 13.71% | 13.94% | 13.16% | 13.93% | +39 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.26% | 72.49% | 72.66% | 77.35% | 74.84% | 72.76% | 68.02% | 70.73% | -662 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Blanding, UT · Charter 67163 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
0.60%
Rank 1,007 of 1,683
Net Interest Margin
6.14%
Rank 33 of 1,683
Efficiency Ratio
81.89%
Rank 1,028 of 1,682
Equity / Assets
13.93%
Rank 684 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.60% | 0.35% | 0.74% | 1.18% | Beats 40% | 1,007 / 1,683 | ||
| Return on Equity | 4.33% | 2.67% | 5.89% | 8.74% | Beats 38% | 1,046 / 1,681 | ||
| Net Interest Margin | 6.14% | 3.31% | 3.82% | 4.32% | Beats 98% | 33 / 1,683 | ||
| Efficiency Ratio | 81.89% | 68.91% | 78.20% | 86.93% | Beats 39% | 1,028 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.31% | 0.26% | 0.65% | 1.29% | Beats 11% | 1,492 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.93% | 10.44% | 12.89% | 16.53% | Beats 59% | 684 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 13.93% | 10.44% | 12.89% | 16.53% | Beats 59% | 684 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 70.73% | 52.61% | 69.38% | 83.50% | 53rd pctl | 798 / 1,683 | ||
| Loans / Assets | 60.52% | 44.71% | 59.18% | 70.72% | 53rd pctl | 790 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||