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 | |