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Richfield, UT · Charter 67149 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$7.4MAssets
$4.3MLoans
$6.0MShares
$1.4MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of credit unions under $1B in assets (rank 132 of 1682).
- Widest gap: net interest margin trails 98% of credit unions under $1B in assets (rank 1648 of 1683).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.62%
Rank 984 of 1,683
Net Interest Margin
2.08%
Rank 1,648 of 1,683
Efficiency Ratio
70.51%
Rank 480 of 1,682
Equity / Assets
19.08%
Rank 269 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.62% | 0.35% | 0.74% | 1.18% | Beats 42% | 984 / 1,683 | | |
| Return on Equity | 3.26% | 2.67% | 5.89% | 8.74% | Beats 30% | 1,177 / 1,681 | | |
| Net Interest Margin | 2.08% | 3.31% | 3.82% | 4.32% | Beats 2% | 1,648 / 1,683 | | |
| Efficiency Ratio | 70.51% | 68.91% | 78.20% | 86.93% | Beats 72% | 480 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.26% | 0.65% | 1.29% | Beats 100% | 132 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 19.08% | 10.44% | 12.89% | 16.53% | Beats 84% | 269 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 19.08% | 10.44% | 12.89% | 16.53% | Beats 84% | 269 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 71.83% | 52.61% | 69.38% | 83.50% | 55th pctl | 764 / 1,683 | | |
| Loans / Assets | 58.10% | 44.71% | 59.18% | 70.72% | 48th pctl | 875 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |