Salt Lake City, UT · Charter 9398
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 in the Salt Lake City-Murray, UT area (n=23 to 24). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
50
Asset Quality
4
Profitability
72
Liquidity
13
Efficiency
71
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.
Salt Lake City, UT · Charter 9398
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 | 1.02% | 1.20% | 2.09% | 1.51% | 1.63% | 1.76% | 1.31% | 1.12% | -38 bps | |
| Return on Equity | 6.79% | 7.87% | 13.80% | 10.58% | 10.63% | 10.97% | 7.98% | 6.71% | -387 bps | |
| Net Interest Margin | 3.83% | 3.80% | 3.69% | 3.62% | 3.91% | 4.02% | 3.77% | 3.83% | +21 bps | |
| Efficiency Ratio | 65.44% | 66.15% | 61.04% | 60.01% | 60.04% | 59.66% | 68.14% | 71.35% | +1,134 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.79% | 4.59% | 2.74% | 12.73% | 9.39% | 5.99% | 1.76% | -6.56% | -1,929 bps | |
| Loan Growth (YoY) | -3.35% | -4.94% | -3.00% | 0.29% | 0.83% | -3.59% | -5.13% | -4.57% | -486 bps | |
| Share Growth (YoY) | 6.08% | 3.64% | 1.32% | 12.95% | 8.77% | 4.62% | 0.10% | -9.23% | -2,218 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.09% | 0.62% | 1.83% | 2.14% | 2.46% | 2.71% | 1.52% | 2.77% | +63 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 | 15.06% | 15.23% | 15.15% | 14.23% | 15.29% | 16.08% | 16.47% | 16.75% | +252 bps | |
| Net Worth / Assets | 15.06% | 15.23% | 15.15% | 14.23% | 15.29% | 16.08% | 16.47% | 16.75% | +252 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 94.67% | 93.77% | 89.71% | 82.81% | 87.76% | 86.41% | 85.02% | 87.06% | +425 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Salt Lake City, UT · Charter 9398 · Peer group: credit unions under $1B in assets in the Salt Lake City-Murray, UT area (n=23-24)
NCUA · 3 branches
Q2 2026
Return on Assets
1.12%
Rank 6 of 24
Net Interest Margin
3.83%
Rank 8 of 24
Efficiency Ratio
71.36%
Rank 8 of 24
Equity / Assets
16.75%
Rank 12 of 24
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.12% | 0.41% | 0.67% | 1.12% | Beats 75% | 6 / 24 | ||
| Return on Equity | 6.69% | 2.16% | 5.02% | 6.69% | Beats 75% | 6 / 24 | ||
| Net Interest Margin | 3.83% | 3.10% | 3.61% | 4.01% | Beats 67% | 8 / 24 | ||
| Efficiency Ratio | 71.36% | 71.14% | 80.00% | 84.92% | Beats 71% | 8 / 24 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.77% | 0.07% | 0.54% | 1.38% | Beats 4% | 23 / 23 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 16.75% | 10.05% | 16.75% | 21.42% | Beats 50% | 12 / 24 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 16.75% | 10.05% | 16.75% | 21.42% | Beats 50% | 12 / 24 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 87.06% | 42.86% | 62.34% | 82.18% | 83rd pctl | 4 / 23 | ||
| Loans / Assets | 72.63% | 32.11% | 55.16% | 70.89% | 79th pctl | 5 / 24 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||