West Jordan, UT · Charter 8187
NCUA · 11 branches
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 | 0.26% | 0.33% | 0.51% | 0.24% | 0.39% | +13 bps | |
| Return on Equity | 2.33% | 3.03% | 4.47% | 2.16% | 3.39% | +106 bps | |
| Net Interest Margin | 3.69% | 3.71% | 3.86% | 3.81% | 3.94% | +25 bps | |
| Efficiency Ratio | 80.75% | 79.53% | 77.20% | 79.78% | 78.54% | -221 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.15% | 3.22% | 2.01% | 4.23% | 0.21% | +336 bps | |
| Loan Growth (YoY) | -2.75% | -0.35% | 0.47% | -0.17% | -0.07% | +267 bps | |
| Share Growth (YoY) | -3.39% | 3.68% | 1.56% | 4.74% | 4.62% | +801 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.09% | 1.07% | 1.06% | 1.05% | 1.25% | +16 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 | 10.97% | 10.92% | 11.33% | 11.02% | 11.48% | +51 bps | |
| Net Worth / Assets | 10.97% | 10.92% | 11.33% | 11.02% | 11.48% | +51 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 91.71% | 91.42% | 93.79% | 88.21% | 87.60% | -412 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |