Utility Employees
Aberdeen, WA · Charter 1851 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$3.2MAssets
$2.0MLoans
$2.6MShares
$618KNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of credit unions under $1B in assets (rank 132 of 1682).
- Widest gap: net interest margin trails 50% of credit unions under $1B in assets (rank 834 of 1683).
- Overall: at or above the peer median on 7 of 7 directional measures.
Return on Assets
1.38%
Rank 302 of 1,683
Net Interest Margin
3.83%
Rank 834 of 1,683
Efficiency Ratio
65.63%
Rank 315 of 1,682
Equity / Assets
19.41%
Rank 249 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.38% | 0.35% | 0.74% | 1.18% | Beats 82% | 302 / 1,683 | |
| Return on Equity | 7.12% | 2.67% | 5.89% | 8.74% | Beats 62% | 638 / 1,681 | |
| Net Interest Margin | 3.83% | 3.31% | 3.82% | 4.32% | Beats 50% | 834 / 1,683 | |
| Efficiency Ratio | 65.63% | 68.91% | 78.20% | 86.93% | Beats 81% | 315 / 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 | 19.41% | 10.44% | 12.89% | 16.53% | Beats 85% | 249 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 19.41% | 10.44% | 12.89% | 16.53% | Beats 85% | 249 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 77.36% | 52.61% | 69.38% | 83.50% | 65th pctl | 594 / 1,683 | |
| Loans / Assets | 62.12% | 44.71% | 59.18% | 70.72% | 57th pctl | 724 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |