Salt Lake City, UT · Charter 7546
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 | 0.47% | 0.23% | -0.37% | -0.15% | 0.01% | -0.16% | -0.28% | -0.31% | -16 bps | |
| Return on Equity | 5.07% | 2.36% | -3.94% | -1.57% | 0.07% | -1.67% | -2.96% | -3.39% | -183 bps | |
| Net Interest Margin | 2.53% | 2.63% | 2.26% | 2.33% | 2.31% | 2.38% | 2.55% | 2.48% | +15 bps | |
| Efficiency Ratio | 81.07% | 88.29% | 105.47% | 96.86% | 93.72% | 99.49% | 99.87% | 100.05% | +319 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.31% | 2.18% | 0.92% | -10.47% | -4.91% | -0.37% | -2.57% | 2.67% | +1,314 bps | |
| Loan Growth (YoY) | 0.57% | -5.51% | -7.68% | -7.55% | -12.76% | -11.24% | -7.55% | -2.69% | +486 bps | |
| Share Growth (YoY) | 10.07% | 2.11% | 0.87% | -11.52% | -5.31% | -0.21% | -2.68% | 3.30% | +1,482 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.11% | 0.37% | 0.36% | 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 | 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 | 9.29% | 9.70% | 9.45% | 9.76% | 9.59% | 9.55% | 9.53% | 9.23% | -53 bps | |
| Net Worth / Assets | 9.29% | 9.70% | 9.45% | 9.76% | 9.59% | 9.55% | 9.53% | 9.23% | -53 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 54.11% | 56.23% | 52.82% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |