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
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.24% | 0.37% | 0.76% | 1.21% | Beats 19% | 1,312 / 1,625 | | |
| Return on Equity | 1.45% | 2.80% | 6.06% | 8.96% | Beats 17% | 1,345 / 1,623 | | |
| Net Interest Margin | 3.59% | 3.25% | 3.80% | 4.36% | Beats 40% | 979 / 1,625 | | |
| Efficiency Ratio | 83.82% | 68.56% | 77.08% | 85.11% | Beats 29% | 1,158 / 1,622 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.98% | 0.28% | 0.70% | 1.35% | Beats 36% | 1,032 / 1,623 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 16.65% | 10.44% | 12.79% | 16.54% | Beats 76% | 398 / 1,625 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 16.65% | 10.44% | 12.79% | 16.54% | Beats 76% | 397 / 1,624 | | |
| Liquidity & Funding |
| Loans / Deposits | 84.54% | 54.72% | 71.33% | 84.54% | 75th pctl | 406 / 1,624 | | |
| Loans / Assets | 71.05% | 46.04% | 60.45% | 71.73% | 74th pctl | 429 / 1,624 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |