Brigham City, UT · Charter 9163
NCUA · 3 branches
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 (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
89
Asset Quality
77
Profitability
65
Liquidity
67
Efficiency
94
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.
Brigham City, UT · Charter 9163
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 | 1.12% | 1.39% | 1.40% | 1.60% | 1.71% | 1.70% | 1.56% | 1.83% | +22 bps | |
| Return on Equity | 6.56% | 6.93% | 7.06% | 7.91% | 8.33% | 8.14% | 7.64% | 8.74% | +83 bps | |
| Net Interest Margin | 2.28% | 2.71% | 2.94% | 3.06% | 3.07% | 3.11% | 3.08% | 3.34% | +28 bps | |
| Efficiency Ratio | 62.55% | 60.71% | 61.38% | 58.91% | 56.75% | 56.79% | 58.93% | 53.68% | -523 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 29.63% | 10.73% | 9.81% | 7.26% | -9.09% | 4.36% | 6.01% | 5.85% | -141 bps | |
| Loan Growth (YoY) | 11.00% | 5.35% | 8.64% | 8.20% | 9.22% | 14.32% | 12.26% | 7.74% | -46 bps | |
| Share Growth (YoY) | 35.60% | 11.57% | 10.27% | 6.97% | -12.87% | 3.25% | 5.28% | 4.96% | -201 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.29% | 0.31% | 0.26% | 0.20% | 0.12% | 0.21% | 0.12% | 0.24% | +4 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 | 17.16% | 20.04% | 19.87% | 20.28% | 20.55% | 20.89% | 20.43% | 20.93% | +65 bps | |
| Net Worth / Assets | 17.16% | 20.04% | 19.87% | 20.28% | 20.55% | 20.89% | 20.43% | 20.93% | +65 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 62.79% | 73.60% | 72.30% | 74.93% | 78.71% | 81.49% | 77.10% | 76.92% | +198 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Brigham City, UT · Charter 9163 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
1.83%
Rank 113 of 1,683
Net Interest Margin
3.34%
Rank 1,252 of 1,683
Efficiency Ratio
53.67%
Rank 97 of 1,682
Equity / Assets
20.93%
Rank 188 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.83% | 0.35% | 0.74% | 1.18% | Beats 93% | 113 / 1,683 | ||
| Return on Equity | 8.74% | 2.67% | 5.89% | 8.74% | Beats 75% | 424 / 1,681 | ||
| Net Interest Margin | 3.34% | 3.31% | 3.82% | 4.32% | Beats 26% | 1,252 / 1,683 | ||
| Efficiency Ratio | 53.67% | 68.91% | 78.20% | 86.93% | Beats 94% | 97 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.24% | 0.26% | 0.65% | 1.29% | Beats 77% | 383 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 20.93% | 10.44% | 12.89% | 16.53% | Beats 89% | 188 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 20.93% | 10.44% | 12.89% | 16.53% | Beats 89% | 188 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 76.92% | 52.61% | 69.38% | 83.50% | 64th pctl | 611 / 1,683 | ||
| Loans / Assets | 60.57% | 44.71% | 59.18% | 70.72% | 53rd pctl | 787 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||