Valley Wide
Vernal, UT · Charter 14657 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$404KAssets
$123KLoans
$266KShares
$136KNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of credit unions under $1B in assets (rank 132 of 1682).
- Widest gap: efficiency ratio trails 92% of credit unions under $1B in assets (rank 1562 of 1682).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.00%
Rank 1,478 of 1,683
Net Interest Margin
3.96%
Rank 699 of 1,683
Efficiency Ratio
100.00%
Rank 1,562 of 1,682
Equity / Assets
33.66%
Rank 31 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.00% | 0.35% | 0.74% | 1.18% | Beats 12% | 1,478 / 1,683 | |
| Return on Equity | 0.00% | 2.67% | 5.89% | 8.74% | Beats 12% | 1,478 / 1,681 | |
| Net Interest Margin | 3.96% | 3.31% | 3.82% | 4.32% | Beats 58% | 699 / 1,683 | |
| Efficiency Ratio | 100.00% | 68.91% | 78.20% | 86.93% | Beats 8% | 1,562 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.26% | 0.65% | 1.29% | Beats 100% | 132 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 33.66% | 10.44% | 12.89% | 16.53% | Beats 98% | 31 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 33.66% | 10.44% | 12.89% | 16.53% | Beats 98% | 31 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 46.24% | 52.61% | 69.38% | 83.50% | 18th pctl | 1,385 / 1,683 | |
| Loans / Assets | 30.45% | 44.71% | 59.18% | 70.72% | 8th pctl | 1,543 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |