Salt Lake City, UT · Charter 7546
NCUA · 1 branch
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 in the Salt Lake City-Murray, UT area (n=23 to 24). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
8
Asset Quality
39
Profitability
4
Liquidity
64
Efficiency
4
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.
Salt Lake City, UT · Charter 7546
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 | -0.15% | 0.01% | -0.16% | -0.28% | -0.31% | -16 bps | |
| Return on Equity | -1.57% | 0.07% | -1.67% | -2.96% | -3.39% | -183 bps | |
| Net Interest Margin | 2.33% | 2.31% | 2.38% | 2.55% | 2.48% | +15 bps | |
| Efficiency Ratio | 96.86% | 93.72% | 99.49% | 99.87% | 100.05% | +319 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -10.47% | -4.91% | -0.37% | -2.57% | 2.67% | +1,314 bps | |
| Loan Growth (YoY) | -7.55% | -12.76% | -11.24% | -7.55% | -2.69% | +486 bps | |
| Share Growth (YoY) | -11.52% | -5.31% | -0.21% | -2.68% | 3.30% | +1,482 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.28% | 0.53% | 0.58% | 0.29% | 0.91% | -36 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 | 9.76% | 9.59% | 9.55% | 9.53% | 9.23% | -53 bps | |
| Net Worth / Assets | 9.76% | 9.59% | 9.55% | 9.53% | 9.23% | -53 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 53.91% | 49.85% | 50.01% | 50.17% | 50.79% | -313 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Salt Lake City, UT · Charter 7546 · Peer group: credit unions under $1B in assets in the Salt Lake City-Murray, UT area (n=23-24)
NCUA · 1 branch
Q2 2026
Return on Assets
-0.31%
Rank 23 of 24
Net Interest Margin
2.48%
Rank 23 of 24
Efficiency Ratio
100.00%
Rank 24 of 24
Equity / Assets
9.24%
Rank 22 of 24
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.31% | 0.41% | 0.67% | 1.12% | Beats 4% | 23 / 24 | |
| Return on Equity | -3.37% | 2.16% | 5.02% | 6.69% | Beats 4% | 23 / 24 | |
| Net Interest Margin | 2.48% | 3.10% | 3.61% | 4.01% | Beats 4% | 23 / 24 | |
| Efficiency Ratio | 100.00% | 71.14% | 80.00% | 84.92% | Beats 4% | 24 / 24 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.91% | 0.07% | 0.54% | 1.38% | Beats 39% | 15 / 23 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.24% | 10.05% | 16.75% | 21.42% | Beats 8% | 22 / 24 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.24% | 10.05% | 16.75% | 21.42% | Beats 8% | 22 / 24 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 50.79% | 42.86% | 62.34% | 82.18% | 39th pctl | 14 / 23 | |
| Loans / Assets | 46.04% | 32.11% | 55.16% | 70.89% | 42nd pctl | 14 / 24 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||