Provo, UT · Charter 67110
NCUA · 1 branch
Q3 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2025, the quarter ended September 30, 2025, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,637 to 1,639). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
94
Asset Quality
100
Profitability
42
Liquidity
0
Efficiency
17
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Provo, UT · Charter 67110
NCUA · 1 branch
Q3 2025
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.48% | 0.54% | 0.81% | 0.52% | 0.49% | +1 bps | |
| Return on Equity | 2.75% | 2.87% | 3.88% | 2.40% | 1.98% | -78 bps | |
| Net Interest Margin | 3.57% | 3.95% | 3.71% | 3.80% | 4.44% | +87 bps | |
| Efficiency Ratio | 86.45% | 86.22% | 78.06% | 86.41% | 88.86% | +240 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.62% | -13.40% | -20.06% | -17.91% | -28.10% | -2,148 bps | |
| Loan Growth (YoY) | -10.51% | -8.05% | -10.12% | -23.11% | -21.07% | -1,056 bps | |
| Share Growth (YoY) | -8.38% | -16.51% | -24.61% | -22.19% | -34.59% | -2,621 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.97% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 17.56% | 19.00% | 20.98% | 21.50% | 25.00% | +744 bps | |
| Net Worth / Assets | 17.56% | 19.00% | 20.98% | 21.50% | 25.00% | +744 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 85.43% | 89.46% | 90.81% | 85.53% | 103.09% | +1,766 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Provo, UT · Charter 67110 · Peer group: credit unions under $1B in assets (n=1,637-1,639)
NCUA · 1 branch
Q3 2025
Return on Assets
0.50%
Rank 1,148 of 1,639
Net Interest Margin
4.44%
Rank 380 of 1,638
Efficiency Ratio
88.68%
Rank 1,364 of 1,637
Equity / Assets
25.00%
Rank 106 of 1,638
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.50% | 0.40% | 0.81% | 1.29% | Beats 30% | 1,148 / 1,639 | |
| Return on Equity | 2.01% | 3.02% | 6.34% | 9.49% | Beats 20% | 1,315 / 1,638 | |
| Net Interest Margin | 4.44% | 3.27% | 3.83% | 4.38% | Beats 77% | 380 / 1,638 | |
| Efficiency Ratio | 88.68% | 67.38% | 76.32% | 84.73% | Beats 17% | 1,364 / 1,637 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.27% | 0.68% | 1.33% | Beats 100% | 131 / 1,637 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 25.00% | 10.38% | 12.80% | 16.53% | Beats 94% | 106 / 1,639 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 25.00% | 10.39% | 12.80% | 16.53% | Beats 94% | 106 / 1,638 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 103.09% | 55.01% | 72.16% | 85.44% | 97th pctl | 47 / 1,638 | |
| Loans / Assets | 77.32% | 46.69% | 60.81% | 72.42% | 85th pctl | 244 / 1,638 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||