Utah First
Salt Lake City, UT · Charter 528 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 11 branches
Q2 2026
$1.2BAssets
$971.6MLoans
$929.1MShares
$121.7MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 99% of credit unions $1B-$10B in assets (rank 7 of 435).
- Widest gap: equity / assets trails 63% of credit unions $1B-$10B in assets (rank 272 of 435).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
1.04%
Rank 133 of 435
Net Interest Margin
3.51%
Rank 177 of 435
Efficiency Ratio
70.73%
Rank 200 of 435
Equity / Assets
10.38%
Rank 272 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.04% | 0.55% | 0.81% | 1.14% | Beats 69% | 133 / 435 | |
| Return on Equity | 10.04% | 5.12% | 7.41% | 9.70% | Beats 78% | 97 / 435 | |
| Net Interest Margin | 3.51% | 3.01% | 3.39% | 3.75% | Beats 59% | 177 / 435 | |
| Efficiency Ratio | 70.73% | 65.25% | 71.39% | 77.86% | Beats 54% | 200 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.13% | 0.45% | 0.69% | 1.05% | Beats 99% | 7 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.38% | 9.81% | 10.84% | 12.63% | Beats 37% | 272 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.38% | 9.81% | 10.84% | 12.63% | Beats 37% | 272 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 104.58% | 78.33% | 88.38% | 95.61% | 94th pctl | 28 / 435 | |
| Loans / Assets | 82.81% | 67.69% | 74.58% | 80.80% | 85th pctl | 64 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |