Provo Police & Fire Dept.
Provo, UT · Charter 67110 · Peer group: credit unions under $1B in assets (n=1,637-1,639)
NCUA · 1 branch
Q3 2025
$1.6MAssets
$1.2MLoans
$1.2MShares
$398KNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of credit unions under $1B in assets (rank 131 of 1637).
- Widest gap: efficiency ratio trails 83% of credit unions under $1B in assets (rank 1364 of 1637).
- Overall: at or above the peer median on 4 of 7 directional measures.
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 | 8-Qtr Trend | 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 |