Utah Heritage
Moroni, UT · Charter 67076 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 5 branches
Q2 2026
$166.7MAssets
$110.2MLoans
$144.0MShares
$20.6MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 95% of credit unions under $1B in assets (rank 85 of 1681).
- Widest gap: nonperforming loans / loans trails 90% of credit unions under $1B in assets (rank 1507 of 1682).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
1.64%
Rank 189 of 1,683
Net Interest Margin
3.79%
Rank 863 of 1,683
Efficiency Ratio
59.23%
Rank 177 of 1,682
Equity / Assets
12.36%
Rank 944 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.64% | 0.35% | 0.74% | 1.18% | Beats 89% | 189 / 1,683 | | |
| Return on Equity | 13.24% | 2.67% | 5.89% | 8.74% | Beats 95% | 85 / 1,681 | | |
| Net Interest Margin | 3.79% | 3.31% | 3.82% | 4.32% | Beats 49% | 863 / 1,683 | | |
| Efficiency Ratio | 59.23% | 68.91% | 78.20% | 86.93% | Beats 90% | 177 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.51% | 0.26% | 0.65% | 1.29% | Beats 10% | 1,507 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.36% | 10.44% | 12.89% | 16.53% | Beats 44% | 944 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.36% | 10.44% | 12.89% | 16.53% | Beats 44% | 944 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 76.51% | 52.61% | 69.38% | 83.50% | 63rd pctl | 630 / 1,683 | | |
| Loans / Assets | 66.07% | 44.71% | 59.18% | 70.72% | 64th pctl | 599 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |