Nephi, UT · Charter 6920
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.37% | 1.36% | 1.36% | 1.39% | 1.50% | +13 bps | |
| Return on Equity | 4.02% | 3.97% | 3.93% | 4.04% | 4.35% | +33 bps | |
| Net Interest Margin | 3.43% | 3.42% | 3.50% | 3.32% | 3.38% | -4 bps | |
| Efficiency Ratio | 52.60% | 55.52% | 58.10% | 57.94% | 56.22% | +362 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.05% | 3.48% | 1.43% | 3.79% | 3.09% | -96 bps | |
| Loan Growth (YoY) | -3.29% | -0.47% | -1.79% | -3.96% | -6.10% | -281 bps | |
| Share Growth (YoY) | 4.45% | 3.24% | 0.10% | 3.70% | 2.52% | -193 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.12% | 0.22% | 0.10% | 0.15% | +15 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 34.06% | 34.24% | 34.61% | 34.28% | 34.45% | +39 bps | |
| Net Worth / Assets | 34.06% | 34.24% | 34.61% | 34.28% | 34.45% | +39 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 99.64% | 99.17% | 98.46% | 93.51% | 91.26% | -837 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |