Deseret First
West Valley Cit, UT · Charter 24708 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 12 branches
Q2 2026
$1.3BAssets
$1.0BLoans
$1.1BShares
$107.1MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 82% of credit unions $1B-$10B in assets (rank 78 of 435).
- Widest gap: equity / assets trails 94% of credit unions $1B-$10B in assets (rank 410 of 435).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.89%
Rank 182 of 435
Net Interest Margin
3.38%
Rank 220 of 435
Efficiency Ratio
72.45%
Rank 231 of 435
Equity / Assets
8.41%
Rank 410 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.89% | 0.55% | 0.81% | 1.14% | Beats 58% | 182 / 435 | |
| Return on Equity | 10.57% | 5.12% | 7.41% | 9.70% | Beats 82% | 78 / 435 | |
| Net Interest Margin | 3.38% | 3.01% | 3.39% | 3.75% | Beats 49% | 220 / 435 | |
| Efficiency Ratio | 72.45% | 65.25% | 71.39% | 77.86% | Beats 47% | 231 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.75% | 0.45% | 0.69% | 1.05% | Beats 45% | 242 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 8.41% | 9.81% | 10.84% | 12.63% | Beats 6% | 410 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 8.41% | 9.81% | 10.84% | 12.63% | Beats 6% | 410 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 90.11% | 78.33% | 88.38% | 95.61% | 57th pctl | 189 / 435 | |
| Loans / Assets | 80.88% | 67.69% | 74.58% | 80.80% | 76th pctl | 106 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |