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Nebo Credit Union

Spanish Fork, UT · Charter 67146

NCUA · 4 branches

Q4 2025

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets3

Basis

Quarter: Q4 2025, the quarter ended December 31, 2025, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Credit unions under $1B in assets (n=1,622 to 1,625). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

76

Q2 2024Q4 2025peer median (50)

Asset Quality

36

Q2 2024Q4 2025peer median (50)

Profitability

25

Q2 2024Q4 2025peer median (50)

Liquidity

41

Q2 2024Q4 2025peer median

Efficiency

29

Q2 2024Q4 2025peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Nebo Credit Union

Spanish Fork, UT · Charter 67146

NCUA · 4 branches

Q4 2025

$144.6MAssets
$102.8MLoans
$121.5MShares
$24.1MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.24%, down 26 bps year over year; NIM at 3.59%.
  • Asset quality: problem loans at 0.98% of loans (-11 bps YoY).
  • Capital: net worth / assets of 16.65%, down 37 bps from a year ago.
  • Funding: loans stand at 84.54% of shares as of Q4 2025.

Financial Results

Return on Assets (YTD, annualized)

0.24%-26 bps YoY

Net Interest Margin (YTD, annualized)

3.59%+6 bps YoY

Efficiency Ratio (YTD, annualized)

83.81%+307 bps YoY

Net Worth / Assets

16.65%-37 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2024Q1 2025Q2 2025Q3 2025Q4 2025YoY ΔTrend
Earnings
Return on Assets0.50%0.00%0.15%0.42%0.24%-26 bps
Return on Equity2.96%0.00%0.86%2.49%1.45%-152 bps
Net Interest Margin3.53%3.48%3.58%3.55%3.59%+6 bps
Efficiency Ratio80.74%85.88%84.87%80.55%83.81%+307 bps
Growth
Asset Growth (YoY)0.16%-0.31%-1.10%5.11%3.48%+332 bps
Loan Growth (YoY)-2.97%-1.84%2.21%2.05%1.62%+459 bps
Share Growth (YoY)2.63%1.66%-1.80%5.16%4.07%+144 bps
Asset Quality
Delinquent Loans / Loans1.09%1.08%1.13%0.94%0.98%-11 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital17.02%16.85%16.96%16.73%16.65%-37 bps
Net Worth / Assets17.02%16.85%16.96%16.73%16.65%-37 bps
Liquidity & Funding
Loans / Shares86.59%84.37%88.00%85.58%84.54%-204 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Nebo Credit Union

Spanish Fork, UT · Charter 67146 · Peer group: credit unions under $1B in assets (n=1,622-1,625)

NCUA · 4 branches

Q4 2025

$144.6MAssets
$102.8MLoans
$121.5MShares
$24.1MNet Worth

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 76% of credit unions under $1B in assets (rank 398 of 1625).
  • Widest gap: return on equity trails 83% of credit unions under $1B in assets (rank 1345 of 1623).
  • Overall: at or above the peer median on 2 of 7 directional measures.

Return on Assets

0.24%

Rank 1,312 of 1,625

Net Interest Margin

3.59%

Rank 979 of 1,625

Efficiency Ratio

83.82%

Rank 1,158 of 1,622

Equity / Assets

16.65%

Rank 397 of 1,624

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.24%0.37%0.76%1.21%Beats 19%1,312 / 1,625
Return on Equity1.45%2.80%6.06%8.96%Beats 17%1,345 / 1,623
Net Interest Margin3.59%3.25%3.80%4.36%Beats 40%979 / 1,625
Efficiency Ratio83.82%68.56%77.08%85.11%Beats 29%1,158 / 1,622
Asset Quality
Nonperforming Loans / Loans0.98%0.28%0.70%1.35%Beats 36%1,032 / 1,623
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio16.65%10.44%12.79%16.54%Beats 76%398 / 1,625
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets16.65%10.44%12.79%16.54%Beats 76%397 / 1,624
Liquidity & Funding
Loans / Deposits84.54%54.72%71.33%84.54%75th pctl406 / 1,624
Loans / Assets71.05%46.04%60.45%71.73%74th pctl429 / 1,624
Brokered Deposits / Depositsn/aNot reported for this institution