PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Elevate

Brigham City, UT · Charter 9163

NCUA · 3 branches

Q2 2026

$260.3MAssets
$157.7MLoans
$205.0MShares
$54.5MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.83%, up 22 bps year over year; NIM at 3.34%.
  • Asset quality: problem loans at 0.24% of loans (+4 bps YoY).
  • Capital: net worth / assets of 20.93%, up 65 bps from a year ago.
  • Funding: loans stand at 76.92% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.83%+22 bps YoY

Net Interest Margin (YTD, annualized)

3.34%+28 bps YoY

Efficiency Ratio (YTD, annualized)

53.68%-523 bps YoY

Net Worth / Assets

20.93%+65 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.60%1.71%1.70%1.56%1.83%+22 bps
Return on Equity7.91%8.33%8.14%7.64%8.74%+83 bps
Net Interest Margin3.06%3.07%3.11%3.08%3.34%+28 bps
Efficiency Ratio58.91%56.75%56.79%58.93%53.68%-523 bps
Growth
Asset Growth (YoY)7.26%-9.09%4.36%6.01%5.85%-141 bps
Loan Growth (YoY)8.20%9.22%14.32%12.26%7.74%-46 bps
Share Growth (YoY)6.97%-12.87%3.25%5.28%4.96%-201 bps
Asset Quality
Delinquent Loans / Loans0.20%0.12%0.21%0.12%0.24%+4 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital20.28%20.55%20.89%20.43%20.93%+65 bps
Net Worth / Assets20.28%20.55%20.89%20.43%20.93%+65 bps
Liquidity & Funding
Loans / Shares74.93%78.71%81.49%77.10%76.92%+198 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps