National J. A. C. L.
Salt Lake City, UT · Charter 67005 · Peer group: credit unions under $1B in assets in the Salt Lake City-Murray, UT area (n=23-24)
NCUA · 2 branches
Q2 2026
$38.6MAssets
$21.3MLoans
$33.6MShares
$3.7MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 17% of credit unions under $1B in assets in the Salt Lake City-Murray, UT area (rank 20 of 24).
- Widest gap: efficiency ratio trails 92% of credit unions under $1B in assets in the Salt Lake City-Murray, UT area (rank 23 of 24).
- Overall: at or above the peer median on 0 of 7 directional measures.
Return on Assets
-0.07%
Rank 22 of 24
Net Interest Margin
2.79%
Rank 20 of 24
Efficiency Ratio
98.31%
Rank 23 of 24
Equity / Assets
9.69%
Rank 20 of 24
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.07% | 0.41% | 0.67% | 1.12% | Beats 8% | 22 / 24 | | |
| Return on Equity | -0.75% | 2.16% | 5.02% | 6.69% | Beats 8% | 22 / 24 | | |
| Net Interest Margin | 2.79% | 3.10% | 3.61% | 4.01% | Beats 17% | 20 / 24 | | |
| Efficiency Ratio | 98.31% | 71.14% | 80.00% | 84.92% | Beats 8% | 23 / 24 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.71% | 0.07% | 0.54% | 1.38% | Beats 17% | 20 / 23 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.69% | 10.05% | 16.75% | 21.42% | Beats 17% | 20 / 24 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.69% | 10.05% | 16.75% | 21.42% | Beats 17% | 20 / 24 | | |
| Liquidity & Funding |
| Loans / Deposits | 63.27% | 42.86% | 62.34% | 82.18% | 52nd pctl | 11 / 23 | | |
| Loans / Assets | 55.16% | 32.11% | 55.16% | 70.89% | 50th pctl | 12 / 24 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |