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 | |