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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