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 | |